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

Related FAQs

What fees will I pay if I use a debt settlement company?
Is there a minimum debt amount to qualify for debt settlement?
Are there any potential risks if I choose not to settle my debts?
Is it possible to settle a debt for less than the amount owed?
Is debt settlement better than bankruptcy?
Are there any risks associated with using a debt settlement firm?
Who should I contact to settle my debt?
What should I do if a creditor refuses to negotiate a debt settlement?
What should I do if I can’t agree on a settlement amount?
What is the average debt settlement amount?

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