How to negotiate a debt workout when your lender is vehemently opposed to settling?

I see it all the time and, thus, am not particularly moved by such resistance, although many fold up because of strong opposition. In fact when it occurs I know I am near the end and have won.

Hard, arrogant, emotional, name calling, obstinate, absolutely immovable objections a definite NO. I know I am winning.

Here is what I do. Ignore the emotional outburst, ignore the aggressive absolute rejection and keep focusing on the resolution I am proposing. I keep bringing it back to the ground, agreeing with all the objections but suggesting that my proposal is as good as it is going to get and worthy of consideration. It takes time and patience and it works.

Assume the results will be as you are projecting and ignore the static. Keep repeating until your opposition vents his emotions out and logic seeps back in. It may require a day or two to settle in or even a month, but in the end perseverance, lack of direct argument and if you are right, you will win. Perseverance and logic will prevail over emotional outbursts in most situations.

This requires careful listening skills as in some instances the opposition is totally committed to their position and will not accept compromise, but in the greatest majority this strategy succeeds.

You know you are losing only when all talk breaks down. No communication and no response is deadly. This is a sign and is indicative of a stalemate. As long as your opposition engages with you, you are in control…as long as they are yelling and screaming and saying absolutely NO, you are in the lead and controlling the outcome.

Be cool, do not argue, and know this will work. It does.