There is no real negotiation or defined process. . You have to be willing to play hardball and outright refuse to pay. Also be willing to call every day or get

There is no real negotiation or defined process. . You have to be willing to play hardball and outright refuse to pay. Also be willing to call every day or get a lawyer that writes nasty letters. Also be willing to deal with collection agencies. It’s a stupid game about who is the biggest bully. Not many people have the nerves for this.