[Richard]

Debt negotiation is the process of pursuing a negotiation of your debt with your creditor for that is high and at least 3 months delinquent.

It involves negotiation of your credit balance with the creditor for a lower pay off. It can be done by a professional or personally. Negotiating with your creditor can give you the opportunity to reduce your debt almost by 40 to 50% and help you get out from debt in a short period of time. Debt negotiation is the best alternative to bankruptcy.
On the other hand debt management is the total process which starts from debt collection to debt settlement. In debt management, a plan is set up to pay your creditors. This is done through budgets and other saving methods. In most cases you will go through debt negotiation in a management program. Best thing to do is consider a debt settlement / debt negotiation company to assist you with this.