Debt Negotiation

债务谈判

People are increasingly finding themselves in a position in which their income is no longer adequate to service their debts.

越来越多的人们发现他们自己处于没有足够的收入去偿还他们的债务的位置。

Trapped in a cycle of debt you can find yourself continually accumulating interest, late penalties, fines and fees all of which make your attempts at reducing your debt appear impossible.

陷入债务循环你会发现你自己不断的积攒利息，延迟罚款，罚金以及变得不可能减少债务的费用。

Compounding this problem are creditors pressuring you, all well the negative credit record you are developing.

为了解决这些问题 —— 贷款方正在压迫着你，与此同时消极的信用记录也在增加。

If you find yourself in this situation there are options. For example:

这里有一些选项，你可以找到是否正处于这一状况。比如：

Debt Consolidation

Bankruptcy

Debt Negotiation

合并债务

破产

债务谈判

While most  is less well known.

尽管大多数人都比较熟悉前两个选项，但是第三个选项却很少有人知道。

Debt at a lower interest rate.

合并债务是一个将您的债务以一种每月较低利率付款并简单易管理合偿还并的过程。

Bankruptcy offers an immediate end to your financial problems but carries significant consequences and should only be considered as a last resort.

破产则提供了一个可立即终结您的财务问题的方法，当带来一些重要的结果所以应该仅作为最后的决策。

The third option, debt negotiation, is a mutual arrangement between you and your creditors, agreeing upon a settlement figure to finalize your debt.

第三个选项，债务谈判是一个在您与您贷款房之间的安排，还清您的负债以达成一个和解协议。

In essence, debt negotiation is a negotiation between you and your creditors to settle on terms that are mutually beneficial to both parties.

本质上来说，债务谈判是一个您与您贷款房之间的谈判，以相互以双方实现共同利益的条件上达成和解。

It is likely that

在达成和解的过程中，与催促您的还钱或事等待你提交破产表格这两种方法比起来，您的贷款人更乐于去与您沟通，这种方法对于他们更为有利。

最后，债务谈判经常是与你和你的贷款方一个互利的状况，因为您可以显著的减少你的负债等级，同时您的贷款方可能会收到原先不会收到的还款。