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

Related FAQs

Are there any drawbacks to settling a debt?
Are there any discounts available for debt settlement?
What is a “hardship program” and how can it help with debt settlement?
How will I know if a debt settlement offer is fair?
What will happen to my credit score after a successful debt settlement?
When can I start making payments on my debt settlement?
Is debt settlement better than bankruptcy?
Can I negotiate a lower interest rate as part of a debt settlement?
How does a creditor determine if a debt should be settled?
When is it best to pursue debt settlement?

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