Should I use a debt settlement company or negotiate directly with my creditors?

Related FAQs

Can I be sued while in the process of settling a debt?
Does debt settlement hurt my chances of obtaining new credit?
Are there any laws governing debt settlement?
Are there any legal requirements to debt settlement?
What happens if I miss a payment on a debt settlement?
How do I make sure I receive a fair settlement from my creditors?
Are there any tax implications of debt settlement?
Are there any ways to avoid paying for a debt settlement service?
Do I have to pay taxes on debt settled through negotiations?
How much should I expect to pay for a debt settlement service?

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