Can I negotiate a lower principal balance as part of a debt settlement?

Related FAQs

How does a creditor determine if a debt should be settled?
Can I negotiate a debt settlement on my own?
Are there any laws governing debt settlement?
What if I can’t pay the full amount of a debt settlement?
What fees will I pay if I use a debt settlement company?
Is there any way to expedite the debt settlement process?
How long does it take to complete a debt settlement?
What should I do if a creditor refuses to negotiate a debt settlement?
How do I find out the balance of my debt?
Can I negotiate more than one debt settlement at once?

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