Hello, I recently contacted one of my credit card
Hello, I recently contacted one of my credit card issuers to try and get my payments/interest reduced. Contrary to what I've often read, they were very firm about not offering any settlements, arrangements, or help, and instead referred me to "take charge america," a supposedly non-profit debt management company. I did speak to one of their counselors, but I'm far from comfortable entering into any arrangement with them. I was hoping you might have some suggestions about how to approach creditors in such a way as to avoid being immediately shot down? Any suggestions or help is greatly appreciated!