Prior to negotiate... trying to negotiate debt yourself, my best advice would be to find someone who is experienced in negotiating debt. They will go to your creditor with a debt negotiation letter with all the terms, the fees, what's owed, what you can afford. And remember we're going to start low so that you... in case you get denied we can increase that payment. They'll go to your creditor with that letter and work out a deal for you that will fit your needs and your budget. You can try to do this on your own through some of your creditors, but it is recommended that you get someone who's experienced at it. They know what to say how to negotiate. They can help you out and make it just easier for you to get this accomplished.