How you can negotiate down debts

It pays to not only challenge errors in your credit report, but also, to try and negotiate with credit card firms you deal with and with your other creditors to negotiate down what you owe them.
It takes practice, a thick skin, and organization, but the best part is that negotiating with your creditors is a skill that can be learned!
Here's free details on how to learn how you can negotiate down debts and negotiate with creditors:
http://www.findhow2.com/debt-settlement-negotiating-with-creditors.html