If you are considering debt negotiation and your are still current on your credit cards, technically you can't do it. You are still contractually obligated to pay your bills back. Be wary of the debt negotiation firm that just outright tells you to stop paying your bills and join the program. A debt settlement company that is operating within the limits of the law wont tell you to do that. The only person that can make the determination to stop paying your bills is you. Debt negotiation is only for hardship and not because you spent to much and don't feel like paying it back. What it is for is an alternative to a bankruptcy.
Get me out of Debt
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