“Dear Michael,

I’m 49 and married.

Credit card is with Capitol One and I’ve had it for at least 6 years.

No late payments.

I don’t remember what my interest rate used to be, I think around 18%, but they raised it a couple of years ago to 24%!

A few months ago my limit was raised from $3000 to $6000, and I stupidly used it for stupid things and the balance it now $5119.00.

Every month I try to pay $400 to $500 split up one mid-month and one at the end of the month.

I have called to ask them to lower my interest rate and was told by an annoyingly condesending young man that my account didn’t “qualify” for a lower interest rate. I asked why my account didn’t qualify, after being a good customer for so many years? He couldn’t tell me. He just said that I should make 2 separate payments each month.

My husband thinks my balance is still around $3000.

I did call and ask them to lower it but the answer was no, with an attitude.

So my questions to you are:

Do they ever do that with just a phone call, or did I just happen to get to a world class jerk when I called?
Is customer loyalty ever acknowledged by these companies with, say, a lower APR?

Also, do you think I can do this on my own without the help of some sort of credit debt service?

Thank you, any advice you can give me is truly appreciated.

Kelly”

The Answer:

Hi Kelly,

Your experience in requesting your interest rate be lowered is not uncommon. If you are paying on time there is generally no incentive for a bank to limit their profits voluntarily. It is not until you show some sign of financial distress that payment reduction plans are revealed to you as an option. This would generally mean falling behind with payments. This of course can damage your credit if 30 and 60 day pays are reported.

You may have reached a jerk. That happens. His ability to offer you some form of payment reduction through an interest rate reduction is more bank policy than his refusal. He could not offer anything to you if he wanted.

Do not expect loyalty to come into play with credit card issuers. The goal of the lender is to secure returns for its investors. You may reduce things to a personal level, but they generally do not.

A credit counseling company could possibly assist you in reducing the interest rate on the card and establish a payback period over 4 or more years. If you would like to discuss your situation with a counselor I would recommend you connect with an AACC member who offers debt management plans. There are currently 3 AACC members who do so.

Click here for credit counseling information.

Have you reviewed your budget in order to identify if you can make accelerated payments towards your debt(s) and pay them off aggressively while not making credit purchases? If not, this would help identify what you can do and will also prepare you for any consult you may pursue with a debt relief service provider.

If you do look at your budget, or speak with a credit counselor, please update me with what you learn in the comment section below.

Michael Bovee has worked with financially challenged consumers for the past 17 years and is a recognized expert in his field. Michael founded Consumer Recovery Network (CRN) in 2006. CRN offers debt settlement services and educational resources nationwide. He has served as its president since 2006.

If you have a debt related question you’d like to ask, just use the online form.

Other Related Articles to Read

• Capital One Sued Me And Got a Judgment After the Case Was Dismissed. – Linda
• Capital One – Scam, Complaint, Review, or Praise?
• West Virginia Settles Charges Against Capital One
• Capital One Told Me They Don’t Own My Debt Anymore. – Wendy
• Sued by Mendelson Law Firm on Behalf of Asset Management for Capital One. – Theresa
• Being sued by Capital One – should I sign the agreed judgment? – Charla
• Capital One is Suing Me for a Capital One Card I Got After Bankruptcy. – Robert
• I Settled My Capital One Debts But It Doesn’t Show That On My Credit Report. – Jen
• Capital One Won’t Accept My Settlement. I’m Disabled. – Wendy
• Capital One Sued Me and Won. Now I Want to Setup Payments But They Want Me to Pay More Than I Can Afford. – Bill

Read the full article at GetOutOfDebt.org, click here: How Can I Lower My Capital One Credit Card Interest Rate? – Kelly

“Dear Damon,

I have Lots of valid credit card debt.

Is there a safe, do it yourself way to reduce the percentages on credit cards? Is calling and asking for reduced APRs doable…..do you need a sob story?

Laurie”

The Answer:

Hello Laurie,

That depends on your definition of safe.

You can certainly call your creditors and yes, give them the best story you can come up with and ask for help. The unfortunate reality is that you will not typically find much success doing this if you are current on payments.

The downside and I want to caution you, if you do this and you still have credit available, be prepared for them to possibly cut your credit limit. So you call them for help, and they can likely just cut off your lifeline if you have been depending on the cards to make ends meet while you figured out a plan.

You can contact a consumer credit counseling program and ask them to let you know what your payment would be and what interest rates they have pre negotiated with your creditors.

Or if you wanted to do it on your own, first call and ask, and if you have no success, you will typically have to be behind by a payment or two and then they may offer you a lower rate as part of their internal hardship programs that they don’t offer to those who are currently paying.

There is a risk to doing this as you are breaching the agreement by not making a payment, and if your rate is at 20% currently, they may raise it to the default rate and then decide not to lower it for you.

So is there a risk? Yes. Does it suck that they have policy’s in place and tend to not work with consumers that are trying to get out in front and solve problems before they fall behind? Yes. But in the words of the late, great Jim Rohn, “It’s just the way it is”

So now that we know the “way it is” we have to get a better understanding of your situation and create a plan that works with the way things are, because we can’t change the “way it is.”

Damon is a talented independent debt coach that provides in-depth assistance and consultations for people struggling with debt. If you want a personal debt coach to help you through a difficult situation or want assistance to find secret discounts offered by debt settlement companies I think Damon Day is an excellent person to contact for advice and assistance. He can be reached directly at DamonDay.com

If you have a debt related question you’d like to ask, just use the online form.

Other Related Articles to Read

• 58 Years Old, Good Job, Want Out of Debt in Five Years. What Should I Do? – Ricahrd
• How Can I Lower My Capital One Credit Card Interest Rate? – Kelly
• How Can I Lower My Credit Card Interest Rates? – Richard
• Converting 8.9% Variable Credit Card to 3.4% Variable Equity is Bad Deal. George
• How to Get All the Cheap Credit You Want
• I’m Making My Minimum Payments But It’s Getting Tough. – Barbara
• We Want to Get Our Interest Rates Lowered on Two Credit Cards. – Dale
• Can I Call My Credit Card Companies and Ask Them to Lower My Balance? – Yianni
• Bank of America is Charging Me 27% on My Credit Card. – Melinda
• Where Can I Go to Payoff My Credit Card With a Cheap Loan? – Sarah

Read the full article at GetOutOfDebt.org, click here: Do I Need a Really Good Sob Story to Get My Creditors to Lower My Interest Rates? – Laurie

“Dear Steve,

I am 58 years old, married with one grown child (married and out of the household). I am employed and my wife is as well. I have a very stable position that compensates me approx. $135,000 year and I also receive a retirement annuity in the amount of $15,000/year. My wife works part time at an annual income of approx. $7,500. I own a home appraised at $350,000 and have a 1st mortgage balance of $201k (monthly payment $1293…I pay my own real estate tax and insurance) and a 2nd home equity of $105k (monthly payment $410).

I currently have approx. $105k in credit card debt. I manage all accounts with none in arrears but have experienced ever escalating interest percentages and minimum payment that make balance reductions difficult. I have tried to negotiate better terms with the card companies with no success. I have recently stopped using all cards completely but I want to be rid of these debts in 5 years which is an unrealistic goal if the interest rates cannot be lowered. I am not considering bankruptcy but have considered seeing if a debt consolidator can achieve better rates and propose a legitimate 5 year plan that is not a deception (Cambridge is one I have looked into). Thoughts?

Richard”

The Answer:

Dear Richard,

If you can afford your minimum payments on your cards and want to get out of debt in five years then the Cambridge Credit Counseling approach is perfectly reasonable. I happen to like the folks at Cambridge and they are the people I send readers to for credit counseling help.

Did they give you a payment estimate that was affordable and doable for you on their program?

Just remember that there is no gain without a bit of pain. The cards you include in the debt management program will be closed and that might impact your credit, in that they are no longer active and being reported as open credit.

Please post your responses and follow-up messages to me on this in the comments section below.

Big Hug!

@GetOutOfDebtGuy

If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.

Other Related Articles to Read

• Do I Need a Really Good Sob Story to Get My Creditors to Lower My Interest Rates? – Laurie
• How Can I Lower My Capital One Credit Card Interest Rate? – Kelly
• How Can I Lower My Credit Card Interest Rates? – Richard
• Converting 8.9% Variable Credit Card to 3.4% Variable Equity is Bad Deal. George
• How to Get All the Cheap Credit You Want
• I’m Making My Minimum Payments But It’s Getting Tough. – Barbara
• We Want to Get Our Interest Rates Lowered on Two Credit Cards. – Dale
• Can I Call My Credit Card Companies and Ask Them to Lower My Balance? – Yianni
• Bank of America is Charging Me 27% on My Credit Card. – Melinda
• Where Can I Go to Payoff My Credit Card With a Cheap Loan? – Sarah

Read the full article at GetOutOfDebt.org, click here: 58 Years Old, Good Job, Want Out of Debt in Five Years. What Should I Do? – Ricahrd

“Dear Steve,

I have $22K in credit card debt(on one card) with an 8.99% variable rate. Minimum payment is about $450/month. I have recently began to pay more than the minimum(last month i paid $1000) since I would love to pay this off or at least bring it down so my minimum payment isnt so high. I recently received a letter/offer in the mail from the bank that i have my mortgage through offering a 3.74% variable APR Choicequity line of credit.

Is it a smart move to transfer my cc balance to this?? Would this save my a lot of money and what effect would it have on me?

Thanks very much Steve :)

George”

I asked my friend Mike Killian to answer your question for you. I wanted to make sure you got an answer as quickly as possible as I’m a bit backed up at the moment. I’ll be watching the comments on this question and be around to help if you need me.

Big Hug!

@GetOutOfDebtGuy

Hi George,

I will answer your question as best I can but I first want to support your accelerated payment. It is the best way to pay off your debt the fastest.

A significantly lower interest rate is always an idea to check into. But you definitely need to consider a couple other things. First of all a variable interest rate can just as easily go sky high as many mortgage holders have learned. But I am trouble by a second issue. It appears to me that you will be transferring $22k of unsecured debt into a secured debt that I am certain is why the offer is being made. They can always raise the rate later but they cannot always get an additional $22000 attached to your house. Converting unsecured debt to secured debt is rarely a good deal for the client and I would never recommend it. Hold out for a fixed rate 3.74% without converting to secured debt and you will have too good a deal to pass up.

I suggest continuing on your present course until that “unbelievable deal” really comes your way. You may be interested to know that a simple increase can dramatically reduce the total interest and time to pay off the debt. For example, if you have a $5000 debt at 17% interest and pay $100 per month, you will pay $11304 in interest over 40 years. That same interest and amount with a minimum payment of $25 more will reduce the amount of time to pay off the debt and the amount of interest by nearly ½.

Sincerely,

Mike

If you have a credit or debt question you’d like to ask just use the online form. We are happy to help you totally for free.

Other Related Articles to Read

• I Have Three Credit Cards With Rates Around 25%. How Can I Get Out of Debt? – Bill
• Is There a Debt Management Program For Folks Who Are Not Currently Behind? – John
• Where Do I Put My Judgment in Line For My Debt Snowball? – Bret
• Can We Afford the Debt Snowball to Get Out of Debt? – Julie
• How Can I Lower My Capital One Credit Card Interest Rate? – Kelly
• Do I Need a Really Good Sob Story to Get My Creditors to Lower My Interest Rates? – Laurie
• 58 Years Old, Good Job, Want Out of Debt in Five Years. What Should I Do? – Ricahrd
• Teresa Writes In “I Have Too Many Credit Cards”
• We Tried the Dave Ramsey Snowball Approach But it Got Us Nowhere. – Janet
• I Have a Number of Small Accounts I Want to Pay Off in Collections. – Orlando

Read the full article at GetOutOfDebt.org, click here: Converting 8.9% Variable Credit Card to 3.4% Variable Equity is Bad Deal. George

Today, the average person pays between 16 and 17 percent on credit card balances. While interest charges may seem low when you look at the monthly charge on your statement, over the long run they can really add up. In fact, the average person can put a hundred bucks or more in his or her wallet just by getting a lower rate on a credit card or two.

If you’re carrying a big balance, you can save even more. Here’s how much:

So what are you waiting for? Following are some strategies that will help you get all of the cheap credit you want.

Just Ask

A survey done a few years ago found that about half of the people who asked their current credit card issuer for a lower rate, got one. Most credit card issuers have many different programs, some of which may carry lower rates. But if you’re paying a higher rate they probably won’t tell you about the lower ones unless you ask.

Call and tell your card issuer you’d like to remain a customer but you’re going to have to leave if you don’t get a program with a better rate. Give the customer service person a break and be friendly. If you don’t get an immediate “yes,” don’t let that discourage you. Ask to talk with a supervisor or call back another time. (For this strategy to work, you should be paying your bills on time each month.) You might want to sweeten the pot by offering to transfer balances from another card.

Go Fishing

There are some 20,000 credit card programs available today. With that many, you should be able to find at least one that will offer you a good deal. A couple of sources you may want to try: cardtrak.com and bankrate.com. It can be confusing to sort through so many different programs, but it can be well worth it. If you’re confused about whether to choose a low fixed or low variable rate, keep this tidbit in mind: in most cases, a credit card issuer can raise the rate on a fixed card as long as you’re given 15 days advance notice. So that means a fixed rate may not necessarily be better if interest rates in the economy go up!

Open The Mail

You’re flooded with credit card offers, right? While some may well qualify for the “junk mail” category, occasionally there are a few gems. Look for a low introductory rate that applies to balance transfers until they are paid off, convenience checks that offer a good rate without a high fee or simply a straightforward low rate. If you’re considering a card with a low introductory rate that’s only good for a few months, make sure that the “permanent” rate is also attractive or you’ll be scrambling to find a new card in a few months.

One more thing to watch out for: due to recent changes in the law, “pre-approved” credit card offers aren’t always what they seem.

If you respond to one of these offers, the issuer can create a secret list of additional qualifications that can be considered before it actually gives you a card. So, if you say “yes” to a pre-approved offer, you may still be turned down based on those other criteria. Essentially, this means that “pre-approved” is really just pre-selected, not pre-approved.

Improve Your Score

You’ll have the best chance of qualifying for the credit you want if you have a good credit score. Credit scores are simply a way that lenders evaluate applications.

While every lender is different, there are generally some things you can do to improve your score: close accounts you don’t use; make sure you have at least a couple of major credit cards paid on time for the last 18 months or more; submit no more than four or five credit applications in any six-month period and avoid late payments or other negative information.

Consolidate

You may be able to lower your costs by consolidating some or all of your debt. For example, you may be able to transfer more expensive credit card balances to your cards that have cheaper rates. Or, you may find that a home equity loan or a margin loan against your investments offers a better rate than you’re currently paying. Other options can include loans against retirement plans or life insurance policies. Be very, very careful here. Many people fall into the trap of consolidating their debts and then running up new balances.

This strategy will only work if you are committed to paying off your debts as quickly as possible. So don’t blow it. Make sure you have good control of your spending, and a written plan for becoming debt-free in three to five years.

If You’re Turned Down for a Low-Rate Card …

First, realize you’re in good company. Most issuers turn down at least 50 percent of new applications, and the rejection rate for some with rock-bottom rates can be much higher — even 90 percent. Now that you’re feeling a little better, take a good hard look at that rejection letter. Do you understand the reasons listed for turning you down? Are they clear? Do they apply? If not, call the credit card company and ask for a clear, specific explanation. That way, you’ll know what you need to do to improve your credit before you apply again.

If you have been turned down, get a copy of your credit report. It’s free if you ask for it promptly. And it’s very important to check to make sure it’s accurate and up-to-date. Information about how to order it will be listed on the denial letter. You can also order a consolidated credit report, containing information from all three credit bureaus. You can also order a consolidated credit report, containing information from all three credit bureaus, at GetOutofDebt.org online.

Other Related Articles to Read

• Credit Scoring: How it Works and How You Can Improve Your Score
• I Paid Off an Old Debt and My Credit Score Went Down. – Michelle
• Is It Possible to Easily Increase My Credit Score? – Tamara
• My Credit Score is Dropping. Is Yours?
• How to Easily Rebuild and Repair Your Credit After Bankruptcy, Foreclosure, or Reposession
• Teresa Writes In “I Have Too Many Credit Cards”
• I Would Like to Consolidate My Debt, However I’m Having a Difficult Time Finding Someone Who Will – Laurie
• Opal Writes In “I’m Worried About Hurting My Credit If I Close Credit Card Accounts”
• Daniel Writes In – “How Can I Get Out of Credit Card Debt?”
• Bank of America is Charging Me 27% on My Credit Card. – Melinda

Read the full article at GetOutOfDebt.org, click here: How to Get All the Cheap Credit You Want

Melinda

“Dear Steve,

I made late payments a couple of times on my Bank of America Visa card. Now my interest is at 27% on $11,000.00. I cannot afford the payment minmum that they require.

Should I try to talk them into lowering my interest rate back to a something more reasonable? Does that usually work?

Melinda”

The Answer:

Dear Melinda,

You can always call and beg for a lower interest rate. The worst they can say is no. What concerns me most about your question is that you can’t afford the new minimum payment. If they don’t lower your interest rate you are slowly headed for trouble here.

You may want to consider contacting a debt management company and enrolling in a debt management plan (DMP) to get your interest rate lowered. Just be aware, while this will lower your interest rate, the card will probably be closed and it could hurt your credit report a bit. But then again, what are the options, sinking into a slow financial death on a payment you can’t afford?

Big Hug!

@GetOutOfDebtGuy

Other Related Articles to Read

• What Are My Options For Getting Bank of America to Lower my 27.99% Credit Card Interest Rate? – Chris
• I Would Like to Consolidate My Debt, However I’m Having a Difficult Time Finding Someone Who Will – Laurie
• How to Get All the Cheap Credit You Want
• Recent Searches for Debt Advice
• I Just Got My Job Back, and I Am Playing Catch Up on My Bills. – Nicole
• Bank of America Offers “Clean Sweep” Debt Consolidation Loan Up to $50,000. Let’s Look at The Facts And See Who Is Really Cleaning Up.
• Bank of America to Credit Counseling Agencies – It’s Not Me, It’s You
• My Daughter is Not Working and Bank of America is Suing Her. – Abraham
• Bank of America Credit Card Debt Settlement Advice and Instructions
• Bank of America – Scam, Complaint, Review, or Praise?

Read the full article at GetOutOfDebt.org, click here: Bank of America is Charging Me 27% on My Credit Card. – Melinda

“Dear Steve,

I have completely paid off my minor credit cards. My visa, with a close to $8,000 balance remains. My interest rate is so high, it seems my payments aren’t moving the balance at all. I want to do a balance transfer to a lower interest rate, but I do not know where I should go for that. My intention from this point on, is to pay large amounts at a time.

What are your suggestions?

Sarah”

The Answer:

Dear Sarah,

I think the days of confident balance transfer have sailed. Even if you did a balance transfer I strongly suspect that creditors will raise your rate way up latter, and you know why, because they can.

I’ve really been impressed with LendingClub.com as a way for people to pay off higher interest rate debt. Your loan would be funded by hundreds of individual lenders, like me, who would all be willing to take a slight risk on you. LendingClub would then fund your loan, wire the money into your account and you could pay off your higher interest rate credit card.

I’m getting ready to invest more money into my LendingClub account so if you do decide to request a loan through LendingClub, let me know how to find it by leaving me a message in the comments section and I’ll happily be one of the many investors that will help you to payoff this debt.

Big Hug!

@GetOutOfDebtGuy

P.S. Be sure to read ‘The Secret of Surviving Through Difficult Economic Times. What I Learned On My Journey‘.

Other Related Articles to Read

• Is a Balance Transfer Worth It?
• Best Balance Transfer Offer With Checks. Is That Smart? – D
• How Can I Lower My Capital One Credit Card Interest Rate? – Kelly
• Do I Need a Really Good Sob Story to Get My Creditors to Lower My Interest Rates? – Laurie
• 58 Years Old, Good Job, Want Out of Debt in Five Years. What Should I Do? – Ricahrd
• Converting 8.9% Variable Credit Card to 3.4% Variable Equity is Bad Deal. George
• How to Get All the Cheap Credit You Want
• Should I Transfer Credit Card Debt to a Home Equity Loan? – Jake
• Bank of America is Charging Me 27% on My Credit Card. – Melinda
• David Writes In “I Have No More to Give”

Read the full article at GetOutOfDebt.org, click here: Where Can I Go to Payoff My Credit Card With a Cheap Loan? – Sarah

Roy

“Dear Steve,

Trying to consolidate debt. seems there is no real help unless you default im trying to get help before I get to that point. just want a fair deal…looking for 9 to 11 % interest rate for roughly 25,000 total debt( not including 20,000 left on two car payments)

I make a good salary now but it is hard to see the benefits of it when most extra money is just going to minimum payments on ridiculously high interest credit cards.I have a solid GOOD credit rating and payment history

Roy”

The Answer:

Dear Roy,

A true debt consolidation loan is impossible to come by without you putting up your home equity or something else as collateral.

A true debt consolidation loan often winds up digging a deeper hole latter on. What happens typically is after six months the card balances start to creep up again and before you know it you have a loan and high balances again.

I know, you’re saying that won’t happen to you. And that’s exactly what everyone else said also.

Keep hunting for a loan if you want. The scammers will have a new name for you, the mark. Someone will sell you a load of crap and tell you they can qualify you for a loan if you only pay an up-front fee. It’s a scam.

If you are just looking for lower interest rates and you are willing to have all your credit cards closed, investigate a debt management program. With $25,000 of debt your payment will be around $500 a month.

Big Hug!

@GetOutOfDebtGuy

Other Related Articles to Read

• Is There a Place I Can Get a Debt Consolidation Loan? – Kerri
• I Need a Debt Consolidation Loan. Can I Get One? – Melissa
• What Do I Do to Consolidate Bills? Mary
• I Would Like to Combine All of Our Debts Into One Loan. – Joe
• Three Years Ago I Had Severe Tax Problems But Now I’m Looking for a Consolidation Loan. – Timothy
• I Just Invested in 33 Loans to Help People to Get Out of Debt
• I Have Great Credit, Never Missed a Payment, And Want to Get Out of Debt ASAP. – Bonnie
• Can We Get a Loan on the Equity in Our House Without Refinancing? – Dorothy
• Unsecured Debt Consolidation and Personal Loans Being Handed Out at Record Rates
• We Can’t Afford the NFCC Debt Consolidation Payment. – Tara

Read the full article at GetOutOfDebt.org, click here: I Want to Consolidate My Credit Card Debt at a Good Interest Rate. – Roy

“Dear Steve,

I have over 13k in credit card debt with 3 cards, my rate on all 3 is around 25% How can I lower the rate. I have a steady job so far, my wife doesn’t, she is self employed. we have 2 car pmt and a mtg payment

How can I lower the rate? Is it possible to lower my balance?

Bill”

Other Related Articles to Read

• Converting 8.9% Variable Credit Card to 3.4% Variable Equity is Bad Deal. George
• How Can I Lower My Capital One Credit Card Interest Rate? – Kelly
• Do I Need a Really Good Sob Story to Get My Creditors to Lower My Interest Rates? – Laurie
• 58 Years Old, Good Job, Want Out of Debt in Five Years. What Should I Do? – Ricahrd
• I’d Like to Freeze My Debt And Lower My Interest Rates. – Cindy
• I Supported Someone for Three Years That Completely Drained Me. – Jessica
• How Should I Borrow? The Pros and Cons of Different Types of Loans and Debt Solutions
• How to Get All the Cheap Credit You Want
• Bank of America is Charging Me 27% on My Credit Card. – Melinda
• Where Can I Go to Payoff My Credit Card With a Cheap Loan? – Sarah

Read the full article at GetOutOfDebt.org, click here: I Have Three Credit Cards With Rates Around 25%. How Can I Get Out of Debt? – Bill

“Dear Steve,

I just got my job back, and I am playing catch up on my bills.

Between my husband and I, we have about $2800 in credit card debt. I tried calling to get my interest rate lowered, but all they said was when an offer comes aound that you qualify for, then we will lower your apr. I am paying 31% on my credit card, and my husband’s card turned from a $300 credit limit to a bill for $800. His card has not been used in more than 3 years. How can I get the interest rate down?

Nicole”

Other Related Articles to Read

• How to Get All the Cheap Credit You Want
• Bank of America is Charging Me 27% on My Credit Card. – Melinda
• Is Debt Consolidation a Viable Debt Solution For Unsecured Debt?
• A Paper Worth Reading: Robo-Signing and Lack of Proof in Debt Buyer Cases
• Root Canals and Appendectomy Were Expensive and Landed Me in Bankruptcy. – Ray
• Are Educational Services Legit to Get Out of Debt? – Carlo
• How Can I Lower My Capital One Credit Card Interest Rate? – Kelly
• I’m Living Paycheck to Paycheck After a Divorce and Can’t Make a Dent in My Student Loans or Credit Card Debt. – Tonya
• Do I Need a Really Good Sob Story to Get My Creditors to Lower My Interest Rates? – Laurie
• Debt Free! And You Can Be Too

Read the full article at GetOutOfDebt.org, click here: I Just Got My Job Back, and I Am Playing Catch Up on My Bills. – Nicole