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

Related FAQs

What if the creditor refuses to settle the debt?
Are there any alternatives to debt settlement?
What is a “hardship program” and how can it help with debt settlement?
Is there a minimum debt amount to qualify for debt settlement?
Is debt settlement a better solution than bankruptcy?
What is the best way to document a debt settlement?
How will I know if the debt settlement negotiations are successful?
How do I report a debt settlement to the IRS?
Are there any drawbacks to settling a debt?
How can I ensure I don’t fall behind on payments during the settlement process?

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