Does anyone have tips on settling credit card debts?
I want specific tips for negotiating with the credit card companies. I’m somewhat meek and I know it’s going to be hard for me to really stand my ground when trying to settle. I’m a few thousand dollars in debt, haven’t been making payments for about 4-5 months so they should be desperate to settle. I’m just nervous about getting them to agree on an amount I can afford. I have a student loan and I can only settle for a certain amount of that obviously. Has anyone done their own debt settling before, without a consolidation company?
Thanks for any advice
(Please don’t answer the question with comments about why I SHOULDN’T settle my debts or had bad credit cards are. This is something I have obviously already realized and not what I’m asking, I am set on paying a lump sum to settle.)