What steps do you take first
For those of you who have been successful with debt settlement.
Did you negotiate this with your credit card companies right off the bat or did you start first with asking for a decrease in the balance or interest rate. When negotiating debt settlement – how do you present your case? I don’t know what to say to these people.
Discover directed me to credit counseling and they want a specific amount that I can pay each month. I don’t see how this is going to help any with the high APR I have.