More and more these days, its getting tougher to repay the mounting debts we all have. Sometimes the choice between paying a credit card bill versus the mortgage can be all but too much. What to do? A reputable debt negotiation or debt settlement company can often provide the proper solution to what otherwise might become an insurmountable financial problem. Debt negotiation brings creditors to the "money" table on your terms, and can result in much lower payments and much quicker payoff of debts.