Various types of debt can be negotiated through debt settlement. Common examples include credit card debt, medical bills, personal and utility bills, and certain unsecured loans. These debts are typically eligible for negotiation because they don’t involve collateral or assets that creditors can seize. However, it’s important to note that not all debts are eligible for negotiation. Secured debts, such as mortgages and car loans, typically cannot be settled through debt negotiation as they are backed by collateral. Student loans also have specific regulations surrounding debt settlement. It is advisable to consult with a reputable debt settlement company or a financial advisor to understand which debts are eligible for negotiation in your specific situation.