What techniques ought to I use to negotiate with credit card businesses to lower my monthly payment and interest.?

divorce tactics that you should maintain in mind: query Nianna C .? What techniques ought to I use to negotiate with credit card companies to lower my monthly payments and interest rates I do not want to go to a credit counselor. I choose to negotiate with credit card organizations themselves. I am debt on the head, because my earnings dropped and outgoing invoices have elevated due to medical expenditures and the return to college. I had to declare bankruptcy six years after divorce.

Divorce Coachs ...