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

Related FAQs

What is the difference between debt settlement and debt consolidation?
Are there any tax consequences to debt settlement?
What fees will I pay if I use a debt settlement company?
What if the creditor refuses to settle the debt?
How do I report a debt settlement to the IRS?
Is there a statute of limitations on debt settlement?
What is an unsecured debt and how does it impact debt settlement?
When is it best to pursue debt settlement?
What documents do I need to provide during a debt settlement process?
Are there any laws governing debt settlement?

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