Here is a tip I picked up from Jacksonville FL bankruptcy lawyer Bobby Shinedown Wilbert that could save you thousands of dollars on your credit card debt. Call your credit card bank and ask for a lower interest rate and a lower principal balance. You might get a zero interest rate if you are willing to close the account.
In the past banks usually raised rates if you could not pay under the universal default clause of your contract. Today, banks face staggering default rates and are trying to recover some money before charging off delinquent accounts. You can read more about this in my article Lower Credit Card Interest and Balance to Avoid Default appearing at the Bankruptcy Law Network. Give it a try.
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