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?
Can I negotiate multiple debts at once during the settlement process?
How long will it take to settle a debt?
How can I make a debt settlement offer more attractive to creditors?
What should I look for in a good debt settlement company?
How do I make sure I receive a fair settlement from my creditors?
How do I find out the balance of my debt?
What if the creditor refuses to settle the debt?
How much money can I save by settling a debt?
How does a creditor determine if a debt should be settled?

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