You fall a bit behind on a credit card bill, your interest rate soars, your minimum payment rises, and you start falling more and more behind every month. You don't see an end. But you don't want to file bankruptcy either. What you can do - and should do - is negotiate.

Money 911: Your Most Pressing Money Questions Answered, Your Money Emergencies Solved (ed. Harper Collins, 2009) - ISBN: 9780061962097