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

Related FAQs

How do I find out the balance of my debt?
Can I negotiate multiple debts at once during the settlement process?
Can I negotiate a lower interest rate as part of a debt settlement?
How long will it take to settle a debt?
What should I do if I can’t agree on a settlement amount?
What should I do if a creditor refuses to negotiate a debt settlement?
What is the best way to negotiate a debt settlement?
How does a creditor determine if a debt should be settled?
Are there any tax implications of debt settlement?
Are there any programs offering debt settlement help?

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