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If you are struggling under a mound of debt, you may be able to work with creditors and even debt collectors to make things more manageable. This is often called debt settlement or debt negotiation. For example, you might settle a debt by getting the creditor to accept a lower amount if you pay a lump sum up front. Or perhaps you can negotiate lower payments, either temporarily or permanently. Before you contact the creditor or collector, figure out your goals and pick a few negotiation strategies. Below you'll find articles to help you through the process.
And sometimes you might want help in dealing with your creditors. Below you'll find information on how to get reliable help, as well as information about things to avoid, like debt negotiation firms.