Debt relief is based on negotiations with your creditors, if you are unable to pay your whole debt, to reduce the amount you owe to an affordable sum. You can get up to 50% off your debt with the help of a debt relief agency. Most credit companies will ask that you pay the entire amount in one lump sum. This may seem difficult to achieve, but this is quite easy if you are willing to stick with the process. You will have to make monthly deposits, into an account opened by the settlement company, ...