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

Related FAQs

Can I settle a debt if I’m unemployed?
What should I do if I can’t agree on a settlement amount?
Should I be wary of any companies offering “instant” debt settlement?
How do I make sure I receive a fair settlement from my creditors?
Can a creditor challenge a debt settlement?
How will I know if the debt settlement negotiations are successful?
Can I negotiate a debt settlement on my own?
How long does it take to complete a debt settlement?
What if the creditor refuses to settle the debt?
How do I know if I have been approved for a debt settlement?

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