Minimum Monthly Payments exceeding my ability to p

Minimum Monthly Payments exceeding my ability to pay by $300.00 a month.
Not late on payments to date, credit score still 738.
Dont want to file bankruptcy or make settlements. Just need lower interest rates so I can pay down some of these accounts.
What would you suggest?
62 and desperate.

2 Answers

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My previous poster is right. Try to convince your creditors so that they agree to lower the interest rate. It fully depends on your negotiation skills. 
 

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You can negotiate with your creditors on your own to reduce the interest rates. Otherwise, you can enroll into a debt management program to slash the interest rates on the debts. 


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