how do i get cc companies to negotiate a pay off o

how do i get cc companies to negotiate a pay off or lower my interest? When I call, they just tell me "we dont do that"

5 Answers

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If you wish to settle your accounts, DO NOT waste money on a debt settlement company.  DO IT YOURSELF!!!  It is not that difficult...do a little research and save yourself a lot of money.

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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If you find it problematic to negotiate with the credit card companies on your own, take help from an authentic debt relief company. The debt expert with their proper negotiation skills, will negotiate with your creditors so that they may agree to reduce the interest rate on your outstanding debts.


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It means that the credit card companies are not interested to reduce the interest rates. See, if they have any hardship programs.  


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There are no hard and fast rules to successfully negotiate with a CC company. The older the debt is, the more willing they will be to negotiate. How long has it been since you have defaulted on the monthly payment?


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If it seems difficult to negotiate yourself, then you may get help from a professional debt relief company.


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