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

Related FAQs

How long will it take to settle a debt?
Are there any programs offering debt settlement help?
What is a lump-sum debt settlement and how does it work?
Should I use a debt settlement company or negotiate directly with my creditors?
Are there any services that can help me with a debt settlement?
Can I negotiate debt settlement with multiple creditors at once?
What is the best way to document a debt settlement?
What is a “hardship program” and how can it help with debt settlement?
How will I know if a debt settlement offer is fair?
What are my rights and options when it comes to settling debt?

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