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Credit card debt is big problem for the life of common man these days. Before the government of Obama, there was no proper debt negotiating tips to reduce the debt of the consumer. Under the new laws devised by the Federal Trade Commission, debt can be easily negotiated with the assistance of debt negotiating firm. This negotiating process is not possible by a debtor, as debt negotiators can only reduce the debt by significant amount.

The new law passed by the government allows the negotiation under legal terms and conditions. In the past, there were many shady companies due to which consumers were facing lot of problems. This problem has been solved now under the new laws implemented by the Obama. Here are some tips to legally settle the credit card debt.

• The best legal way is to apply for some debt relief networks which are working for free of charges. These relief networks provide you the consultancy and the guidance about the best debt settlement company. The debt relief networks provide you the past performance data about the debt settlement companies.

• In order to negotiate with the creditor to reduce the debt, it is better to hire a negotiating company than to negotiate it with yourself. Debt negotiating firm helps to negotiate with the creditor and reduce the unsecured debts to almost 60 percent.

• There are many fraudulent and shady companies who are still charging an upfront fee. Before selecting a legal debt settlement company, take into account the historical data of the company. If the company is asking for the advance fee, then you should not apply for such company because it must be Fraud Company. Under new laws by the FTC, companies are not permitted to charge any advance fee.

How many times have you heard “Everything Negotiable?” You have probably heard this quite a few times in various contexts. However, have your really taken it to heart? Do you look at every situation as a chance to negotiate?

Many people think negotiation only entails to product purchases, big business deals, or dispute interactions with foreign countries. These are the kinds of negotiations we read about in the papers. What many people forget is there are opportunities to negotiate every day. Each time you want someone to do something for you, or someone wants you to do something for them, a negotiation is in process. Sure, many of these situations are not worth negotiating, we just plod forward and do it. However, if you want to develop your negotiation skills and think like a negotiator, start looking at these situations as opportunities. Not only will you develop greater negotiation skills, you will also find that you get more of what you want. The person who thinks like a negotiator looks at every situation as an opportunity to negotiate and win. Better yet, look at each situation as an opportunity to negotiate and ensure both sides win.

From now on, look for opportunities to negotiation and practice your negotiation skills at every opportunity. Each time you buy something, there is a potential negotiation. Yes, I realize if you go to the gas pump it will most likely be a futile discourse trying to get the station to lower your price per gallon, just as it will be difficult to negotiate the stated price of produce with the checker at the grocery store. However, many places to present opportunities to negotiate. Think like a negotiator and look for them. Remember, practicing your negotiation techniques on small items will enable you to negotiate bigger items in the future.

It is up to you to start thinking of common goods and services that might be negotiated. We all know that buying a car is often a negotiated deal. But what about a TV? How about work on your home or yard? Can you negotiate for services such as typing, web design, graphic arts, or computer programming? Have you ever asked a store to match a competitor’s price? That’s negotiating. Have you ever bartered goods or services with anyone for something? That’s negotiation.

Start thinking like a negotiator and practicing your negotiation skills and you will be amazed at the opportunities that surround you. Keep at it and your negotiation skills will improve, you will be making more win-win deals that you can count, and you will ever increase the size and scope of your negotiations. Not only will these skills pay off for you at home, they can positively impact your work as well. Then you will be using your newfound negotiation attitude to negotiate a higher salary.

When you negotiate, do you use ‘if’ to make your offerings conditional? During negotiations, the word ‘if’ is used as a conditional phrase that serves as a prelude for that which follows. It allows you to make an offer and not be committed to delivering the covenants of the offer, if the other negotiator doesn’t meet the condition(s) set forth by your ‘if’ inquiry. If you wish to negotiate successfully, you have to preface some offers and most counteroffers with the word, ‘if’.

The following are seven ways you can use ‘if’ to negotiate more successfully.

1. You should use ‘if’ when you wish to extend a conditional offer to the other negotiator (e.g. If I add this to the deal, will that be enough to meet your needs?). If the other negotiator says no, you’re not obligated to meet his needs with the offer extended to him.

2. ‘If’ can also be used as a transitional strategy (e.g. You bring up a good point and if we can agree on ‘point B’, then we can address ‘point A’.)

3. You can use ‘if’ as a ‘block and bridge’ strategy (e.g. If ‘point A’ is true (block), then it reasons that ‘point B’ has validity (bridge)). In this case, you would then begin to discuss ‘point B’, which should be more advantageous to your position.

4. Use ‘if’ as a harbinger of things to come. Depending on the point you wish to stress and the position you’ve adopted, ‘if’ can be used as a subliminal precursor (e.g. If we adopt your position, do you really think it’s going to be beneficial?).

5. ‘If’ can be used as an image enhancer or image detractor (e.g. If we consummate the proposed deal, you’ll save a few hundred thousand dollars and become a hero in your organization.)

6. Use ‘if’ with ‘but’. ‘But’ is a delimiter that negates what comes before it. (e.g. Your point is good, but if we adopt the second point, the outcome will be more favorable.)

7. “If’s” can be used in a ‘nested’ manner, when you wish to connect several points together, while not committing to the outcome unless the other negotiator agrees to all of the conditions (e.g. If we adopt ‘point A’ and if we adopt ‘point B’ or ‘point C’, I think we can conclude this deal successfully.)

To use ‘if’ successfully, do so with precision and incisiveness. Remember, ‘if’ can be used to ‘heat’ up, or ‘cool’ down a negotiation. Be perceptive to the psychological ‘temperature’ of the negotiation and adjust your mental thermostat and that of the other negotiator appropriately. Do so based on the direction you’d like your ‘if’ query to take you… and everything will be right with the world.

The Negotiation Tips Are…

• Before using ‘if’, consider the motivational source of the other negotiator. Then, apply your ‘if’ proposition from the perspective that it moves him in the direction he perceives to be the most beneficial.

• Regardless of how you use ‘if’ in your negotiations, don’t use it to the point that it confuses the goal you seek. Remember, ‘If’ is another negotiation tool; like any tool, it should used when and where appropriate.

• Remember to also use the word ‘if’ when you want to transition from a point you don’t wish to address to one that’s more advantageous to your position.