If you are a cash-strapped consumer who is interested in learning more about the best debt negotiation strategies, it is important to keep a few key facts in mind. First and foremost, while it can be beneficial to use strategies of persuasion with your lenders as you attempt to negotiate a debt settlement, bear in mind that honesty is the best policy. Most lenders have an array of investigative tools at their disposal and can easily verify the claims that you make. In addition, some may require documentary evidence of the situation that created your financial hardship, such as a medical disability or a death in the family. As such, it is always to your benefit to stick to the facts when you are attempting to negotiate a settlement. With that in mind, however, it may be beneficial to brush up on basic negotiation techniques before beginning the settlement process. Check your local library or bookstore for how-to guides that will provide you with a primary of top negotiation tips and techniques.