What should I do if a creditor refuses to delete negative credit items as part of a debt settlement agreement?

Related FAQs

Is debt settlement better than bankruptcy?
How will I know if the debt settlement negotiations are successful?
What is the best way to negotiate a debt settlement?
Is debt settlement reported to credit bureaus?
What documents do I need to provide during a debt settlement process?
Can I negotiate a debt settlement over the phone?
Can I negotiate more than one debt settlement at once?
What should I do if I can’t agree on a settlement amount?
What is the difference between debt settlement and debt consolidation?
How will I know if a debt settlement offer is fair?

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