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

Related FAQs

Can I negotiate a debt settlement over the phone?
Does debt settlement hurt my chances of obtaining new credit?
Are there any legal requirements to debt settlement?
How can I make a debt settlement offer more attractive to creditors?
What is the difference between debt negotiation and debt settlement?
Can creditors refuse to negotiate a debt settlement?
How much should I expect to pay for a debt settlement service?
How long does it take to complete a debt settlement?
Do I have to pay taxes on debt settled through negotiations?
Is debt settlement a good way to reduce debt?

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