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Instead of negotiating credit card debt personally, it helps to find someone who has experience in negotiating debt. Start low when negotiating debt, in case the offer is denied, withhelp from a business analyst in this free video on financial planning and debt management. Expert: Terry Kuykendall Bio: Terry Kuykendall is currently a budget analyst for the military in Washington. She is an accountant who has worked at firms helping people deal with personal and business debt. Filmmaker: stephen kuykendall