We can negotiate with your creditors a reduction of your interest rates on the bills and debts. You can either do it yourself or use the assistance of a professional financial adviser to negotiate on your behalf. Then you restructure your payments and have it agreed with your creditors (or collection agencies, if the debt is sold off). If you choose to manage the negotiations yourself, consider the fact that it is not always efficient, for you can not always be objective and impartial when it comes to your personal finance, this could damage the negotiation process or even ruin your credit, for you may fail to stand your ground. A professional, on the other hand, has connections with numerous creditors and collection agencies, negotiates every day and knows how to reach a reasonable agreement.