Although most of the discussion relating to debt reduction, debt settlement, and debt consolidation pertains to personal or consumer debt, there are options available to help business owners who are facing a financial crisis, as well. In many cases, when it comes to negotiating unsecured business debt, business owners may have more leeway or latitude than their counterparts whose debt is largely consumer-oriented, as many in the business financial services industry are more likely to regard business debt negotiation from a purely analytical perspective and to recognize the potential benefits of receiving a smaller amount upfront and saving on long-term collection costs. Although there is some room for negotiation when it comes to secured debt like property mortgages or vehicle loans, you are most likely to experience a greater measure of success when it comes to unsecured debts such as credit cards. As always, if you are unsure of the legality of your planned negotiation strategy, considering contracting the services of an attorney with experience in the realm of business debt negotiation.