If you are a good negotiator, you may be able to solve your own debt problems in today's financially troubled culture. If you are buried in credit card debt as so many are today, debt negotiators may have the upper hand in solving that situation. First, you must realize that even your creditors are struggling with credit problems, with so many people defaulting on debt and missing payments. They often welcome someone who is honest and up front about the issues hindering their full and regular card payments, and they may be willing to negotiate lower interest rates and smaller payments, even missing a few payments, if it means you can get back on track. If you do not feel competent to handle that kind of negotiation, by all means, call an expert. There are many in the market today, but you must be careful to choose someone who will not take advantage of your already diminished resources. Often the non-profit debt negotiators are more reliable, but check with your Better Business Bureau or a local consumer protection office, or contact a debt negotiation lawyer to help.