How to Call Your Bank and Negotiate Credit Card Debt Yourself

If you have been following the early tips I suggest for how to negotiate and settle directly with your credit card bank, you have already had several “just calling to keep you posted” conversations with your bank (I recommend you call your lender once a month, or every several weeks, up to month 5 of … Read more

Want to Settle Discover Credit Card Sending Dispute and Debt Validation

This post was inspired by my comment exchange with a site reader about negotiating a settlement with a Discover credit card that is now in the hands of a collections law firm. My comment would have been too lengthy a reply on the page the discussion originated, and this is also something that is not … Read more

Can I Negotiate a Settlement With My Own Credit Card Companies? – Larry

“Dear Michael, I have the great deal credit debt – long story – used a number courtesy checks against these credit cards to add monies into company believing I would pay them off. Well that did not happen, so I have been paying monthly and these amounts – never go down due the interest rates. … Read more

Can I Negotiate With My Own Creditors to Settle My Debt? – Lesley

“Dear Steve, I currently have $39,000 in credit card debt spread across 5 cards. Two with Chase and 1 each with Citicards, Bank of America, and American Express. I am not behind on any payments, but am only able to make the minimum due on each card every month. I expect that in the next … Read more

Debt Settlement Companies Suffer from Premature Representation

First, I’d like to say thank you to Steve Rhode for the invitation to make a guest post. Steve, I greatly appreciate you opening up your venue. Rather than focusing on what Debt Relief A La Carte offers, I’d like to take this opportunity to discuss why. It will be much more meaningful for all. … Read more

My Daughter Was an Authorized User and Ran Up My Debt. I Have Cash to Settle. – Sharon

“Dear Steve, 23K on credit card debt. I am retired and do not make enough to pay these credit card bills any longer. I let my daughter be an authorized user on 2 credit cards. She and her husband both lost their jobs and just recently broke up. I have been able to make the … Read more

Will I Have to Skip Payments to Settle My Debt And Will It Hurt My Credit? – Laura

“Dear Steve, I read your response to Mike about the massive credit card debt and getting no where. I am in a similar position and have two questions in regards to your response. First: In order to request (or attempt to start) a settlement with the credit card company do I first have to skip … Read more

DIY Debt Settlement – How to Handle Lawsuits

If you or someone you know is going through a difficult debt situation and want to do something about it there are many options available to consider but it’s no secret that debts can be settled directly with creditors and with the overwhelming amount of information online, consumers are educating themselves on how to negotiate … Read more

What is Your Opinion of Global Client Solutions? – Eileen

“Dear Steve, I owe $50,000 on credit cards What is your opinion of Global Client Solutions? GCS claims they can help I have read several rip-off or complaints about them. Can we settle these credit card debts on our own? If so, how? Thank you, Eileen” Dear Eileen, I think they probably do a good … Read more