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

Related FAQs

Does debt settlement hurt my chances of obtaining new credit?
Can a debt settlement company guarantee a successful settlement?
Should I use a debt settlement company or negotiate directly with my creditors?
How will I know if the debt settlement negotiations are successful?
Do I need to hire a lawyer to negotiate a debt settlement?
What should I look for in a good debt settlement company?
What is a deemed satisfaction and how does that apply to debt settlement?
How can I learn more about debt settlement laws in my state?
Are there any services that can help me with a debt settlement?
Can a creditor challenge a debt settlement?

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