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

Related FAQs

How will I know if a debt settlement offer is fair?
What should I do if a creditor refuses to delete negative credit items as part of a debt settlement agreement?
How do I protect my credit score during a debt settlement?
What is the average debt settlement amount?
What should I do if a creditor refuses to negotiate a debt settlement?
Are there any programs offering debt settlement help?
What penalties or interest can creditors charge when settling debt?
Should I be wary of any companies offering “instant” debt settlement?
Are there any drawbacks to settling a debt?
How much money can I save by settling a debt?

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