One thing to try that you might not have thought of is to call your CC company and tell them that you're having a difficult time making your bills and you're trying to avoid bankruptcy and ask them if they would be able to lower your interest rate. I admit I don't know if they still do it, but years ago when my nephew had run his cards up ridiculously high, we advised him to try that and they were quite willing to knock off a few points. Something is a heck of a lot better than nothing -- they don't want you to go bankrupt either.
January 19, 2021 at 02:45PM
