Can creditors refuse to negotiate a debt settlement?

Related FAQs

What is a lump-sum debt settlement and how does it work?
Are there any tax implications of debt settlement?
What penalties or interest can creditors charge when settling debt?
Is it possible to settle a debt for less than the amount owed?
Can I negotiate more than one debt settlement at once?
How do I find out the balance of my debt?
Are there any ways to avoid paying for a debt settlement service?
How quickly can I expect to see results from a debt settlement?
Is there a minimum debt amount to qualify for debt settlement?
Is debt settlement better than bankruptcy?

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