Do I need to hire a lawyer to negotiate a debt settlement?

Related FAQs

What should I do if a creditor refuses to delete negative credit items as part of a debt settlement agreement?
How can I make a debt settlement offer more attractive to creditors?
Can I be sued while in the process of settling a debt?
What is a “hardship program” and how can it help with debt settlement?
What is an unsecured debt and how does it impact debt settlement?
Who should I contact to settle my debt?
How do I report a debt settlement to the IRS?
Are there any tax consequences to debt settlement?
Are there any legal risks associated with debt settlement?
What are the guidelines for debt settlement under law?

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