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Credit card debt negotiation tips:

1. Do a financial analysis to ascertain monthly budget. This will help you in negotiation as your ability to pay a minimum every month can be calculated.

2. It is always better to start with card having lowest balance. Negotiate with creditor to clear the cards in ascending order, from lowest to highest.

3. Instead of asking creditors to quote their offer, present them with your settlement offer according to your affordability.

4. Clearly explain your goals, if you wish to repay in full & improve credit score. Once they understand your goal they will be more encouraging to your offer.

5. Make the creditors know your intention, it is important to make creditor aware that you intend to repay their money.

6. As far as possible try to maintain polite conversation. Negotiation is all about how two people communicate to each other, so your behaviour will take you a long way.

7. Explain your creditors how this negotiation will be beneficial to both the parties.

8. Once refused doesn't mean that your chances are over, try contacting them again for a fresh negotiation process.

9. Whether going for negotiation or dealing with collection agency, always know all your right as a consumer. In case anybody violates the law, you know where to go.

10. Be precise on your conversation; if possible record all the conversation so that there are no discrepancies later on.

11. Negotiate for "paid in full" or "pay for delete" status to avoid any negative impact on your credit score.

These credit card debt negotiation tips are found to be very useful for anyone seeking debt relief.

Debt settlement is clearly a better alternative than bankruptcy and due to the massive amounts of consumers in debt, creditors are agreeing to very generous debt settlement deals. To compare debt settlement companies it would be wise to visit a free debt relief network which will locate the best performing companies in your area for free.

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