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

Related FAQs

Should I use a debt settlement company or negotiate directly with my creditors?
How do I know if I have been approved for a debt settlement?
How can I make a debt settlement offer more attractive to creditors?
Can I negotiate a debt settlement over the phone?
How long will it take to settle a debt?
Are there any costs associated with a successful debt settlement?
What fees are associated with debt settlement?
Is there any way to expedite the debt settlement process?
Can I negotiate debt settlement with multiple creditors at once?
What is a lump-sum debt settlement and how does it work?

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