When you think of debt negotiation, you probably want to get it over with as quickly as possible. However, in fact, one debt at a time actually yields better results. The reason is that the settlement a creditor will offer you is based on your credit score, your history with them and the amount of debt you have. If you negotiate your largest debt first, when you get to the second debtor, the first debt will be off your credit report, your credit score will be improved and you may get a better deal. As you move forward from creditor to creditor you are in a better and better position to negotiate. In this case, patience can save you money.