Debt negotiation is an aggressive approach to getting out of debt, and usually you must be behind in your payments to be able to get the creditors to negotiate with you on a settlement. Many people across the country are making the best decision of their lives by entering a debt settlement program. If you need direct personal help with Debt Settlement in California or if you prefer specific advice on any debt situation, please contact us! One of the most powerful aspects of debt settlement programs is that your credit will be clean. Millions of Americans are carrying huge debt loads. A Debt Negotiation process dramatically reduces the amount of debt and the time required to pay the debt off, typically these debts can be paid in full within 12 to 48 months.