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

Related FAQs

Should I use a debt settlement company or negotiate directly with my creditors?
What is the difference between debt negotiation and debt settlement?
Are there any programs offering debt settlement help?
How do I make sure I receive a fair settlement from my creditors?
What is the average time frame for debt settlement negotiations?
How do I know if a debt settlement company is legitimate?
How can I monitor my progress during a debt settlement process?
Is debt settlement a good way to reduce debt?
How will I know if the debt settlement negotiations are successful?
What penalties or interest can creditors charge when settling debt?

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