Negotiating for a lower total payoff?

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Yes, this is possible. You can contact with the customer care department of the credit card company and tell them your problem.  But, if you go for debt settlement, it may hit your credit score. You can also go for balance transfer method. Otherwise, you can get a secured loan to repay the existing debt. For more details about balance transfer method, you can go through this link:

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As you\'re facing problems in paying off the credit card debts, you can contact the credit card issuer and negotiate with them so that they can offer you a repayment plan with affordable terms. You can even go for a credit card debt settlement option with them. You can negotiate with them so that they can lower your outstancing balance by 40-60%.

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