Is it possible to not use a debt settlement co. if you haven’t signed any papers yet?

I concluded to attain use of a trusty association over a phone though correct absent bewail which decision. They have been act office work so we haven’t sealed anything yet. we would rsther than solve a debts upon my own. Does some one know if we can behind out of this situation? Thanks!!!

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What happens if you graduate with tons of student loan debt but cant find a job?