There is no one way to negotiate a debt. And there is no set pattern of calls you can make to a debt collection agency. But there are some basics to the process.

Calling a debt collector and trying to get too much done in one phone call can play to their strengths, and not yours. In this video I cover different strategies for making your calls to debt collectors in order to negotiate the best strategies over a series of phone calls and time.

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Michael Bovee started CRN in 2004 with a mission to provide people in need with detailed credit and debt help. The DebtBytes Channel is an extension of the CRN blog, and is dedicated to finding the debt relief option or strategy that works best for you.