What is a “hardship program” and how can it help with debt settlement?

Related FAQs

How do I make sure I receive a fair settlement from my creditors?
Is debt settlement better than bankruptcy?
Are there any laws governing debt settlement?
What is a deemed satisfaction and how does that apply to debt settlement?
Are there any potential risks if I choose not to settle my debts?
How do I report a debt settlement to the IRS?
Can I negotiate a lower principal balance as part of a debt settlement?
Is there any way to expedite the debt settlement process?
How do I know if debt settlement is right for me?
How can I make a debt settlement offer more attractive to creditors?

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