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

Related FAQs

How does debt settlement impact my credit score?
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Can a debt settlement company guarantee a successful settlement?
Is it possible to settle a debt for less than the amount owed?
What happens to the debt that’s been settled?
Can I negotiate a debt settlement over the phone?
What fees will I pay if I use a debt settlement company?
What are the guidelines for debt settlement under law?
Are there any laws governing debt settlement?
How do I find out the balance of my debt?

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