I am only 30 days or less behind on my credit cards and really want to get them back in order. I am trying like heck to negotiate with the companies but have one who refuses to budge referring me intstead to a debt management company ( most likely credit card company ran). I don't feel this step is necessary at this point since I am not even 60 day s behind and current on my other debts.

Any hints on how to negotiatie with a stubborn company? I have asked for re-aging and removal of fees for one billing cycle to no avail.

Thanks,
Beth

DO NOT GO TO A DEBT CONSOLIDATION COMPANY!
If you are having real problems, take it to court and arrange a minimal repayment scheme;
Tell the credit card company that you want your cards cancelled immediately and that you will offer to repay at a rate of -say - £10/$20 a month with NO INTEREST.

If they refuse, go to court. It might seem a bit scary, but the court will force the credit card company to accept a far better deal than they will offer you - don't let the credit card company intimidate you.