Can I negotiate multiple debts at once during the settlement process?

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Can I negotiate a debt settlement without a debt settlement company?
Can I negotiate a debt settlement over the phone?
How do I know if I have been approved for a debt settlement?
How long will it take to settle a debt?
Can I negotiate a debt settlement without the help of an attorney?
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What if the creditor refuses to settle the debt?
Can I negotiate debt settlement with multiple creditors at once?

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