Is there any way to expedite the debt settlement process?

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Can a debt settlement company guarantee a successful settlement?
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What penalties or interest can creditors charge when settling debt?
What is a lump-sum debt settlement and how does it work?
Who should I contact to settle my debt?
What is a deemed satisfaction and how does that apply to debt settlement?
Are there any programs offering debt settlement help?
What is the best way to document a debt settlement?
Are there any costs associated with a successful debt settlement?
Is it possible to settle a debt for less than the amount owed?

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