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-   -   how to negotiate credit card debt? (https://www.askmehelpdesk.com/showthread.php?t=846155)

  • Jul 29, 2019, 12:14 PM
    Anthony Leads
    how to negotiate credit card debt?
    any idea on how I can negotiate my cc debt?

    been receiving a lot of charges under my name and I want to lessen nor probably payed it out. however, due to bills, rents, daily living fees, I'm having difficulties paying it.

    any tips or tricks that you can share?
  • Jul 29, 2019, 02:20 PM
    talaniman
    If they are not your charges you must call the credit card company and file a dispute of those charges! That's first and foremost ASAP!

    I offer you this very good article to consider also,

    https://www.creditkarma.com/advice/i...-card-company/
  • Jul 29, 2019, 02:42 PM
    Fr_Chuck
    Agreed, if you are getting a lot of charges, stop using the card.

    If they are not yours, contest them, order a new card, cancel old one and not pay them.

    You can not normally negotiate anything until you are about 3 months behind on payments and they are ready to start legal action. Then you may be able to make a reduced payment amount, if you can pay the entire reduced amount. If not they will just take payments
  • Jul 29, 2019, 08:04 PM
    michellerenaud
    Here are the stepps:
    Step 1: Understand how much you owe
    Step 2: Explore your options
    Step 3: Understand the risks
    Step 4: Call your credit card company
    Step 5: Get everything in writing
    Thanks

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