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I want to repay debt with the help of a debt relief company. But, do I have to agree to what they say? I have 4-5 debts but I don;t want to settle every debt. I want to repay the debts in full, which I'm capable of. other debts I can settle if possible. If I opt for help, will I have to opt for settlement each and every debt? Will my cerdit score be impacted less if I settle some and repay full the others?

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