What is the debt negotiation process?

So you want to learn more about the debt negotiation process.  Well this process goes as this, you must first off fall behind on your monthly minimum payments if you have not already this will ensure the creditors are going to be put in the position to where they are going to want to start negotiating on the debt.  Then you also must be saving money on the side during this process so you will have funds to then later negotiate on a settlement with your creditors.  This process should take no longer than about two years for you to eventually take care of all your debts.