Tips on negotiating with creditors?

Hi, I am a 21 year old mother of a 2 1/2 year old, Landen and 1 month old twins, Mason & Chase. I’m new to this but I was just wondering if any had some succesful tips on negotiating with creditors.

I don’t have any credit card debt..Ive never applied for one which I think is a good thing. I have stupid debt like old utilitie bills, bank charge offs..things like that. They always send me negotiations but never when I have the money to pay it by the time they want it!

Please help
if u can!