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Many consumers who fall into deep financial destitution are not prepared to make some important sacrifices to get out of debt. They require debt settlement to get rid of tension full life. If you as a consumer come to the conclusion that trying to pay your payments off month by month will take to long and you need a faster solution, then that is when you need tips to negotiate debt settlement for your debts.

When negotiating, be cool, as your creditors can sense urgency. Try to find out if the statute of limitations has passed on your debt. It means that lenders or collection agencies have only a limited amount of time to collect a debt. If that time passes, then they can no longer make attempts to secure payment and you are no longer under any obligation to pay it.

The most important thing in tips to negotiate debt settlement is that you should negotiate about your total amount of money which you have to pay. Try to insist that you will not pay any late fees and penalties on the debt you owe. It is helpful in extracting the original debt amount.

The next tip in tips to negotiate debt settlement is negotiation about original debt. Negotiate in a way that it can reduce to as much as possible.

Going further in negotiation it is one of the important tips to negotiate debt settlement that you negotiate about your credit rating. Make it very clear that if they won’t negotiate with you on this part of the settlement, you will use the money you have to negotiate with another creditor, who will place a good mark on your credit report. Sometimes there is a lender who can refuse but mostly they try to reach on some agreement.

Remember always be cool and confident when negotiating, as your creditors can sense urgency. It will help you to get the lender to change your negative credit mark to a positive on your report.

My grandson, Carson, just turned one. He’s not quite walking, but he sure is trying. Hewon’t give up, and I expect we’ll see videos of those first solo steps very soon. As I watched him, I’m reminded of lessons that apply to learning how to be a great speaker.

If you’ve never walked, it takes awhile to learn how. If you’ve never given presentations, it takes awhile to learn how.

If you’re learning to walk, and fall down, you need to pull yourself up, and try, again. If your presentation BOMBS, you need to pull yourself up and try, again.

I think you see where I’m going with this Post.

Walking is a skill we learn. We don’t come into this world walking. We don’t learn to do this the first time we pull ourselves up and try to move our feet. It takes perseverance. We can’t give up when we don’t do it right the first time, or anytime after that. Falling down is part of the learning process.

We don’t fall down and verbally beat ourselves up about it with negative self-talk like: “I’m a failure. I’ll never learn how to walk. Everyone will laugh at me if I try it again and fall. I’m a loser!” Often, no one is there to pick us up, so we need to pull ourselvesup.

Sometimes when we fall, there is help available. Parents, siblings, and others help the child. We encourage them and applaud their efforts. Books, blogs, Toastmaster Clubs, and presentation coaches help the speaker when he stumbles. Their success are also recognized by applause and praise.

You can’t learn to walk without falling down. You can’t become a great presenter without falling downa number of times, either!

Most everyone learns to walk. We continue trying until we get it right. Once we learn this skill, we’re able to use it the rest of our lives.

Not everyone learns to be a good speaker and presenter. Why is this? We’re afraid of failure. We’re afraid we’ll make a fool of ourselves and forever everyone will remember how poor we performed at the lectern.

I fell down, and stayed down too long!

After taking a Public Speaking Continuing Education Course I joined a Toastmasters Club. I had given a pretty good Icebreaker Speech, the first one Toasties do, and didn’t prepare as I should have for my second talk. It BOMBED and I fell down. Instead of getting up and working hard on my next presentation, I dropped out. It wasn’t until several years later, when I realized how important presentation skills were, that I joined a different club.

I won’t tell you I didn’t Bomb, again, because I certainly did. I delivered some speeches not worthy of being presented a second time. However, and often with encouragement and help from others,I did stand, again!

Pleaselearn from my mistake. If you BOMB and fall down, don’t wait years to stand, again, Pull yourself up immediately!