If you are behind on your payments for a credit card, debt negotiations may be able to help you get back on track. The approach that you should take will depend on the unique circumstances in your case, but in general, the overall concept of credit card debt negotiations are the same no matter how much you owe. The first thing you should do is gather evidence that illustrates why you cannot make payments now or for the foreseeable future. Then, amass a small lump sum of money that you can use as a settlement offer. Your credit card company may have a specific formula that they use to devise settlement amounts, but even if they name a specific figure, you should still feel free to advance a counteroffer, although you should avoid naming a figure that is unrealistically low. After your settlement offer has been approved, ask for them to send you the terms of the deal in writing. Then, you can submit your payment via certified mail, retaining copies of all documents for your records.