Are there any ways to avoid paying for a debt settlement service?

Related FAQs

Can I negotiate a debt settlement over the phone?
Is there a minimum debt amount to qualify for debt settlement?
What is the best way to document a debt settlement?
What should I do if a creditor refuses to delete negative credit items as part of a debt settlement agreement?
Is debt settlement a better solution than bankruptcy?
Are there any costs associated with a successful debt settlement?
What is an unsecured debt and how does it impact debt settlement?
Is debt settlement a good way to reduce debt?
Can I be sued while in the process of settling a debt?
How does debt settlement impact my credit score?

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