Negotiating with lenders will definitely help you to get rid of your unsecured debts. This will simply eliminate quite 50% of the debt that you have and in case you bargained with the creditor for the best deal, you could get up to 70% relief. But one very important thing is to stay in mind. If ever the forgiven debt is a bit more than $600, it could be counted as your taxable income. This is because of the fact that the amount of money that you save is actually what you were supposed pay out. S...