How can I Negotiate Debt Settlements?

How can I negotiate my own debt settlements with creditors without using a “debt settlement” company?

unsecured debt; collections accounts

I would like to negotiate debt settlements and get them to show paid as agreed, is there an agency that can?

I have heard that it can be done as part of the settlement, I just haven’t had any luck finding any company that will negotiate the change in report status as part of the agreement. I am more concerned with my credit score right now. I am very close to qualifying for a mortgage and [...]