I know a lot of you are always asking for debt negotiation tactics, especially momof3 and sometimes find that you simply can't win. It is so important to be really thorough & imaginative when you are positioning yourself. Even the smallest angle can work in your favor. Read this latest article on how you CAN negotiate even with the toughest, B of A in this case. http://www.carreonandassociates.com/legal.htm Hope you enjoy!