Being in debt is harsh – but it’s also a particularly strange thing.

We know that most people have some debt, and many people are drowning in it; but admitting you’re one of those people is devilishly hard.

Stranger still, we sometimes can’t even admit that we aren’t coping to our creditors (who can see it the minute they access our accounts). Despite the fact that millions of people worldwide face the same problems, we tend to carry our debt around like it’s a personal shame.

Worse, there is a tendency to dig ourselves in deeper by continuing the cycle. We don’t think to haggle the way our more affluent colleagues do. Rich people will always negotiate – the price of a new car, the cost of a haircut, and yes, even how much debt they will pay.

If you’re in debt, you probably aren’t in a position to be buying new cars or expensive haircuts. But you can – and should – negotiate your debt like the rich.

That’s why we’ve written the free ‘Negotiate your debt’ ebook over on the Rethink Debt Summit. You can take charge of your finances and actually reduce the overall total of what you owe.

The hardest part about negotiating your debt is making that first call to a creditor. It becomes easier when you realise that your creditors just want some of their money back. If you’ve been hiding out from them it becomes easier you start answering the phone when they call. Or better still actually calling them to make arrangements directly.

You’ll discover quickly that they don’t even demand all of that outrageous interest they’ve been charging, nor do they mind if you’re only able to make final payments over a few months (rather than in a lump sum).

As soon as you come to grips with the idea that even your creditors aren’t demanding a full payment, it becomes remarkably easier to broker a deal that you can afford. It’s possible you can do even better than that and get an enormous discount on the capital of your debt.

And, don’t worry, you’re not alone in facing the trials of debt negotiation. We’re here every step of the way.

Take Action!

Get our free handy debt negotiation guide that’ll get you through the process as painlessly as possible. It even includes exact scripts of what to say – so that your mind won’t go blank on that first, terrifying phone call.

Download your ebook now! (Did we mention it’s free?)

The Rethink Debt Summit starts on 28th July

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This post is part of Debt Month on the Rethink Retreats Blog in the run up to the launch of our Debt Summit that will help you slay the debt monster and find a more abundant mindset.
Check out these other handy articles here:

Get more money – 5 ways to earn more money now
Money Monsoon
Get a grip (on your finances)

And don’t worry, we’re not telling you to cut back on your luxuries; we’ve got a real solution for real people with real debt. Go get your free ‘Negotiate your debt’ ebook now