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


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. 

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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