Many credit card companies are surprisingly willing to negotiate with their cardholders to reduce interest rates, lower fees, and accept smaller payments. You can always ask, and the worst they can say is no. On the other hand, if you're successful, you've taken the first step in reducing your debt and restoring your credit. You can negotiate many things, including interest rates, late fees, ATM fees, balance transfer check rates, and if you're behind in your payments, even a settlement for much less than the outstanding balance on your card. If you are unsuccessful, there are credit counselors and debt consolidation companies who can do the negotiating for you. But be sure to investigate any company or service you might use to make sure they are accredited with the National Foundation for Credit Counseling and that they are not charging you outrageous fees. Be sure to get all agreements in writing, as well. If you suffer abuses at the hands of one of these companies, you should contact an attorney to learn how to hold them accountable.