Can I negotiate a debt settlement without a debt settlement company?

Related FAQs

How does a creditor determine if a debt should be settled?
Are there any risks associated with using a debt settlement firm?
How long will it take to settle a debt?
How quickly can I expect to see results from a debt settlement?
How do I know if I have been approved for a debt settlement?
Can I negotiate a debt settlement over the phone?
Is there a statute of limitations on debt settlement?
Can a creditor challenge a debt settlement?
Can a debt settlement company guarantee a successful settlement?
What if the creditor refuses to settle the debt?

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