It doesn’t matter who you are, how much debt you have, or how much money you make, you can use debt negotiation. You can use debt negotiation on your own or you can get the help of a professional, whichever you would prefer. A lot of the time you can talk down your creditors so that you can pay just a portion of the debt. If the creditor does not seem open to this sort of debt negotiation, you may want to try to talk them into lowering the interest rate, doing away with past interest charges, or even allowing you to repay your debt over a longer period of time.