Even before the Covid-19 pandemic, consumer debt was at an all-time high according to the Federal Reserve. So if you have credit card debt, you’re not alone. What may surprise you is that you are uniquely situated to negotiate your credit card debt on your own. We tend to rely on professionals to address challenges—car mechanics, lawyers, trainers. But it doesn’t take a finance degree to successfully develop a payment plan with your credit card provider. Being proactive about your debt can help you avoid a charge off and protect your current credit score. More importantly, taking control of your debt could reduce the stress you feel without a plan. By contacting your creditors you could create a plan that puts you in the know. Why Should You Negotiate Your Credit Card Debt? If you carry a high credit card balance or have missed payments, you may have heard from a debt settlement company. Often these organizations promise to resolve your debt for pennies on the dollar. It ca...
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