When we're presented with a number for something, it is often our instinct, and for many of us a sense of politeness obliges us to take it at face value. But many things are much more negotiable than we think. Things like our monthly bills, utilities, our car payments, rent, and yes even debt we might be carrying. For bills that you're paying every month. Things like your phone and internet. Its very valuable to the company to keep you as a customer rather than having to find a new customer. Continuity is leverage. and debt is also something where you have a lot more leverage then your think, especially if a debt has gone to collections, which ive had debts do in the past and negotiated down the amount I ultimately settled for. But just bear in mind that when it comes to money you owe, Everything is up for negotiation.