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Am I Able to Settle My Debts With My Credit Card Companies Even Though I’m Current? – Kaye

Kaye “Dear Steve, I have $25,000 in credit card debt (that I am current on and make the minimum payments each month). Should I file bankruptcy? Am I able to “settle” with any of these creditors to pay off a lump sum amount that is less than what I owe (if I am current on … Read more

How Can I Negotiate a Lower Balance to Pay Back My Credit Cards? – David

“Dear Steve, I’m several months behind on several credit cards. Now have money to pay them off through a loan I got on my house. Can I negotiate a lower payoff with the credit card companies? David” Dear David, Technically, yes, but watch out. Your creditors are going to play you and lie to you. … Read more