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Why can’t I just negotiate with my creditors on my own?

By , Posted on Sep 14, 2015

Most creditors are unwilling to negotiate lower terms with individual consumers if they deem them a credit risk. If you are currently past due or have been in the past then your chances of negotiating directly with your creditors are slim. has established working relationships with your creditors that allow us to adjust the terms of repayment in order to benefit you. If you have attempted to contact your creditors directly and have been unsuccessful in negotiating better terms then the debt management plan is most likely your best option for regaining financial security.

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