Negotiating with lenders will definitely aid you in getting rid of your unsecured debts. All you have to simply eliminate at least 50% of your debt that you have and in case you bargained with the creditor for right deal, you could get up to 70% relief. But one very important thing is to stay in mind. If ever the forgiven debt is more than $600, it could be counted as your taxable income. This can be due to the fact that the amount of money that you save is actually people were supposed to cover...