What fees will I pay if I use a debt settlement company?

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What is the average time frame for debt settlement negotiations?
How can I ensure I don’t fall behind on payments during the settlement process?
What is the process for appealing a denied debt settlement?
Can I negotiate a debt settlement over the phone?
What should I do if I can’t agree on a settlement amount?
What if the creditor refuses to settle the debt?
What is a “hardship program” and how can it help with debt settlement?
What happens if I miss a payment on a debt settlement?
Are there any legal requirements to debt settlement?

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