Can I negotiate debt settlement with multiple creditors at once?

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How much money can I save by settling a debt?
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Can I settle a debt if I’m unemployed?
Is there any way to expedite the debt settlement process?
What happens if I can’t afford to settle the debt in full?
How do I protect my credit score during a debt settlement?
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Should I use a debt settlement company or negotiate directly with my creditors?
Can I negotiate a debt settlement over the phone?

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