I lot of financial experts are weighing in about what a good time it is to negotiate with creditors. More and more people are suffering financial hardships and a lot of creditors would rather work with you than have you default. Depending on the amount you owe and your payment status, negotiating debt may be a viable option. And the best way to secure a deal? Be honest.  Experts say be clear and direct, explain your hardship and what you can reasonably afford to pay back. If you don’t ask, you’re stuck in the same spot. It may involve a little more time on the phone than you’d like, but if it means further spiraling, it’s worth it.

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