Can creditors refuse to negotiate a debt settlement?

Related FAQs

What happens if a debt settlement is not completed on time?
What should I do if a creditor refuses to negotiate a debt settlement?
How will I know if the debt settlement negotiations are successful?
How do I report a debt settlement to the IRS?
Are there any costs associated with a successful debt settlement?
How do I know if I have been approved for a debt settlement?
Is debt settlement a good way to reduce debt?
Are there any tax consequences to debt settlement?
How much should I expect to pay for a debt settlement service?
Should I use a debt settlement company or negotiate directly with my creditors?

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