A debt negotiation firm negotiates with credit card companies, law firms, banks, and other lenders to reach an agreed-to amount to pay off the original debt. Lenders are typically willing to accept reduced pays in order to collect something on accounts now instead of having to wait and or risk losing everything if a person files bankruptcy or never pays. If you are having trouble paying your creditors, or are only able to pay the minimum monthly payments, our debt negotiation / settlement program may be right for you. Using our debt negotiation program can get you out of debt and can get out of debt in 2 or 3 years or even less! You benefit because you can get out of debt with less money and a shorter time frame than paying minimum payments.