Can creditors refuse to negotiate a debt settlement?

Related FAQs

How long will it take to settle a debt?
Are there any alternatives to debt settlement?
How do I report a debt settlement to the IRS?
Is it possible to settle a debt for less than the amount owed?
What should I do if a creditor refuses to negotiate a debt settlement?
When is it best to pursue debt settlement?
Can I negotiate a lower principal balance as part of a debt settlement?
How do I know if debt settlement is right for me?
Are there any legal requirements to debt settlement?
What are the risks of choosing to settle a debt?

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