Are you a consumer who is buried under what feels like a mountain of credit card and other debt and who wants desperately to get back on track? If so, you need to find a source of reliable and accurate debt negotiation advice. In some cases, you may be able to convince some of your creditors to reduce the total amount that you owe in exchange for a smaller, immediate lump sum payment. However, this outcome is only likely to occur if you are able to convince your creditors that you are facing severe financial hardship and that your long-term prospects for paying off your accounts in full are very bleak. If this description does not apply to you, you may be better off developing a systematic plan for beginning to chip away at your consumer debt. Consult a non-profit credit counseling service in your area, or seek the advice of an attorney or financial advisor who is experienced in the area of debt reduction.