Your bills are piling up, you may have old charge offs or accounts in collections that you have no idea what to do with. There is an alternative. This is different then debt management so be sure you qualify. Debt management simply reduces your monthly outflow giving you breathing room and extending your debt payback period. This is long term but is a good alternative to bankruptcy.
Debt negotiations is lump sum settlements.
The only requirement is that you have enough money set aside to settle the debt. Here's how it works. Say you have a debt for 4300.00 to Capital One. You are tired of the fees, penalties and may find yourself getting no where in paying off the debt. Take 2150.00 and call it settled or get a bankruptcy petition.