Debt relief can be achieved by negotiating with your creditors. If you are unable pay your entire debt, the creditors will negotiate to reduce the amount owed to an affordable amount. A debt relief company can help you get half off your debt. Most credit agencies will ask you for the full amount in one payment. This may seem hard, but it is possible if one is willing to stick with it. You will need to make monthly payments into the account opened for you by the settlement firm with the amount yo...