Can creditors refuse to negotiate a debt settlement?

Related FAQs

Do I need to hire a lawyer to negotiate a debt settlement?
Are there any alternatives to debt settlement?
Can a debt settlement company guarantee a successful settlement?
What penalties or interest can creditors charge when settling debt?
What is a lump-sum debt settlement and how does it work?
Who should I contact to settle my debt?
What is debt settlement law?
Do I have to pay taxes on debt settled through negotiations?
What should I do if a creditor refuses to delete negative credit items as part of a debt settlement agreement?
How do I find out the balance of my debt?

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