I hired a lawyer to negotiate with HH last year on a Citibank debt of $10K. I pay monthly to Citibank (via HH), but want to lower these monthly payments. Is it possible to negotiate a lower monthly payment with them or should I just send what I can? Since my husband is out of work and we live in SF, I can't continue sending them $400 a month on the cc debt. I don't want to risk getting my wages garnished, but my lawyer said the best option was to pay back the debt. Advice would be greatly appreciated!