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

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What will happen to my credit score after a successful debt settlement?
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What should I look for in a good debt settlement company?
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Is debt settlement a good way to reduce debt?
How do I find out the balance of my debt?
Are there any ways to avoid paying for a debt settlement service?
Can I negotiate a lower interest rate as part of a debt settlement?
Are there any programs offering debt settlement help?
How can I learn more about debt settlement laws in my state?

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