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

Related FAQs

Can I negotiate a debt settlement over the phone?
How does a creditor determine if a debt should be settled?
Are there any services that can help me with a debt settlement?
Are there any tax implications of debt settlement?
Is debt settlement better than bankruptcy?
What is the difference between debt negotiation and debt settlement?
Can I negotiate a lower interest rate as part of a debt settlement?
Can I be sued while in the process of settling a debt?
What is a lump-sum debt settlement and how does it work?
How can I make a debt settlement offer more attractive to creditors?

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