I’d Like to Freeze My Debt And Lower My Interest Rates. – Cindy

“Dear Steve, My husband & I currently owe about $15,000 in credit cards. We have been paying on these for the last 10 years only to find ourselves with higher balances, due to late payments and high interest. Is there anyway to freeze the principal and lower the interest rates, so we can make some … Read more

My Creditors Won’t Freeze My Interest Rates. – Sarah

“Dear Steve, I have written to all my creditors before any defaulted payments and asked them to suspend collecton for 6 months and freeze interest and charges. I backed up my financial situation with a budget sheet. I have sent and resent these but my creditors wont acknowledge my attemps to sort this out. what … Read more