The power of negotiation lies with your ability NOT to get emotional! Remember the creditor/collector is only doing their job. You must get them to trust you. Give them your new address and telephone number. Remember you are no longer trying to avoid them. On the contrary, get in their face. Call them daily or in a consistent basis, even if it is just to say hello. Let them know that you are serious about settling this debt. Professional and ethical collectors will work with you. If you are getting nowhere with one ask to speak to a manager or owner. I you still don’t get anywhere, move on to another account. Eventually they will come around and dance to your tune.