I’m $20,000 in debt, trying to modify home loan, income shrinking, savings gone
How do I negotiate with credit card companies to lower balance, stop charging interest?
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The first step is to call your credit card companies and see what they will offer you. If that gets you nowhere then I suggest you turn to professional help.
If you want to lower your balances you have two options, either bankruptcy or debt settlement. But debt settlement may not help you with the home loan modification. If sounds like you need everything modified based on your current situation and income. In that case, call a local bankruptcy attorney and get a free bankruptcy consultation.