Should I be wary of any companies offering “instant” debt settlement?

Related FAQs

Is it possible to settle a debt for less than the amount owed?
Should I use a debt settlement company or negotiate directly with my creditors?
How does debt settlement impact my credit score?
Can I negotiate debt settlement with multiple creditors at once?
Can I settle a debt if I’m unemployed?
Do I need to hire a lawyer to negotiate a debt settlement?
How do I find out the balance of my debt?
When can I start making payments on my debt settlement?
Are there any programs offering debt settlement help?
Are there any services that can help me with a debt settlement?

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