Can creditors refuse to negotiate a debt settlement?

Related FAQs

What happens if I can’t afford to settle the debt in full?
Are there any laws governing debt settlement?
Can a creditor challenge a debt settlement?
Can I negotiate a debt settlement on my own?
Are there any alternatives to debt settlement?
Is there any way to expedite the debt settlement process?
How quickly can I expect to see results from a debt settlement?
Is debt settlement reported to credit bureaus?
What is the average time frame for debt settlement negotiations?
How do I know if debt settlement is right for me?

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