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

Related FAQs

What should I do if a creditor refuses to negotiate a debt settlement?
Are there any ways to avoid paying for a debt settlement service?
Do I need to hire a lawyer to negotiate a debt settlement?
Are there any costs associated with a successful debt settlement?
What happens if I miss a payment on a debt settlement?
Are there any legal risks associated with debt settlement?
What penalties or interest can creditors charge when settling debt?
Are there any potential risks if I choose not to settle my debts?
What is the best way to negotiate a debt settlement?
What happens if I can’t afford to settle the debt in full?

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