Can creditors refuse to negotiate a debt settlement?

Related FAQs

What happens if I miss a payment on a debt settlement?
Can a creditor challenge a debt settlement?
What if I can’t pay the full amount of a debt settlement?
What is the average debt settlement amount?
What is a “hardship program” and how can it help with debt settlement?
What is the process for appealing a denied debt settlement?
How can I ensure I don’t fall behind on payments during the settlement process?
What are the guidelines for debt settlement under law?
What happens to the debt that’s been settled?
Are there any legal requirements to debt settlement?

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