<prompt> Human: My father passed away and I took responsibility for sorting things out since I am the next of kin, he never married and I am his only child so things went fairly smoothly. After selling the house and a car everything is liquidated and under my sole control now.The only thing left to take care of is his credit card debt which is about 20k. I can easily pay this from what the estate account currently holds, its just I would rather negotiate it down as I am sure I could use 10k, 5k, 2k or whatever is possible to knock it down to more than the bank.What are strategies I should use when calling up the bank to lower and settle this debt?I live in Arizona for reference.  <response>: If the estate has sufficient assets to pay off Dads debt, then the creditors simply have zero motivation or requirement to negotiate what they are owed since they are legally entitled to be paid the full amount from the assets of the estate. The probate court will see that this happens. 