Can I be sued while in the process of settling a debt?

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How do I know if I have been approved for a debt settlement?
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Should I use a debt settlement company or negotiate directly with my creditors?
How do I make sure I receive a fair settlement from my creditors?
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What is the average debt settlement amount?
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What is the difference between debt settlement and debt consolidation?
How much should I expect to pay for a debt settlement service?
When is it best to pursue debt settlement?

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