They will show proof that you are unable to pay and will negotiate new payment terms with your lender. (debtfirms.com)
The credit repair service can also negotiate new payment terms on items listed on your file that have gone into collections. (badcreditloanservices.com)
Many times the credit card companies will accept new payment terms or reduced amount of repayments because they simply want to get their money back. (debtfirms.com)