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

Related FAQs

What are my rights and options when it comes to settling debt?
What if the creditor refuses to settle the debt?
Does debt settlement hurt my chances of obtaining new credit?
Should I be wary of any companies offering “instant” debt settlement?
What are the risks of choosing to settle a debt?
What happens if I can’t afford to settle the debt in full?
Can I negotiate more than one debt settlement at once?
Are there any ways to avoid paying for a debt settlement service?
What should I do if a creditor refuses to negotiate a debt settlement?
What will happen to my credit score after a successful debt settlement?

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