My husband and I currently have total credit card
My husband and I currently have total credit card debt in the amount of 25,000. We are not behind nor have we been for the past 10 years. However, we are spending approximately $1000 a month on credit card payments. This is causing a severe drain and is very difficult to keep up with. I do not pay the minimum amounts but only about $50-75 more than the minimum required. the interest rates range from 11.9 to 19.9. Because we are not behind and have not been, would it be possible to negotiate with my creditors somehow to lower the interest rates and pay off this debt sooner? Between the car notes, house notes and credit cards we are unable to save any money at all and are in our mid 50s with no savings. what program do you think that would be best for us?