I have 2 credit cards with about 10,000 each. targ

I have 2 credit cards with about 10,000 each. target and Discover - I was told by another debt relief agency that they can't lower the money. Do you know if that is true? What would you suggest that I should do. I have a family of 5 and wife jsut started part time job after being off work for 4 years.

4 Answers

Try to settle your debts on your own. But it depends on their discretion whether or not to agree for settlement. Look at this page to know the steps to settle your debts on your own: http://www.debtconsolidationcare.com/steps.html


I have worked with them in the past. Yeah, they are quite agressive. They didn't agree to lower my debt amount. I hope you get lucky. Don't waste your money on the debt relief companies. Rather, try to settle your debts yourself. 


Negotiate with them, tell them about your financial hardship so that they agree to put you on a hardship plan through which you can make low and affordable monthly payments.


Both Target and Discover are agressive creditors.

No creditor can be forced to enter into a debt management program....it is done under voluntary cooperation.

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

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