I’m hosting a “Virtual Roundtable” on How to Negotiate With Credit Card Companies, and I need your input! This information will help others that are going through the same thing.
For those who haven’t attempted to negotiate their debt yet, but have questions – Submit your questions in the comment section below.
For those that have negotiated your credit card debt, we need your input! - Simply call (310) 929-0033 and leave a message with your answers to the following questions. We will take your message, type it out, and post it on our blog with ONLY your first name. Once again, the questions are:
- Name of credit card company you were negotiating with
- Amount of debt
- Amount settled for
- What did the credit card company offer you that was “out of the ordinary” (for example, no payments, no marks on your credit)
- How did you negotiate this?
- What are the things you would definitely do again?
- What are the things you would do differently?
Click “Call Me” below , enter your first name and your phone number and the system will immediately call you and connect you to the voicemail system:
Remember the more specific the better. If you know someone that does know how to negotiate with credit card companies, please click on “share this” so that we can spread this information!
Thank You!
Greetings Philip Tirone,
I was in a Credit Counselling plan with Discover,USBank, and Bank of America. Paying 400.00 a month. I am two months behind and out of money to pay. I probably am going to be dropped from the plan that had lower interest rates and no late payment fees. I must negotiate with the three companies directly. I hope to have 200.00 a month available to pay divided up for the three. I am trying to negotiate by e-mail as my phone is unreliable ( prepay cell ).I have yet to respond but is my belief that I am in collections. I want to see in writing first what is available from them. I might get overheated over the phone as I no they want an emotional response. What should I say initially. The total debt is 400, 1500, and 13000.
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For lawyers that understand the law: This is my scenario, I had a high FICO score of 740. I had 26,000 dollars line of credit with JP Morgan Chase of which I had only used 7,000. Suddenly Chase reduced it to 7,920 citing an overlevarged account that was reported to the bureau as part reason. Suddenly everything was like a domino effect with the rest of the other creditors reducing my limit. Well, with these actions, my FICO took a nosedive. My question is why can’t I sue these bastards for destroying my credit. At minimum they are accesories??? Unfortunately there are a lot of people in this country under that predicament. Any advice??
Edmund
Negotiations require good communication skills and a person should be aware what he is to speak and what he should not.
I’m just starting this so any advise would really be helpful.
I look forward to hearing everyone’s experiences.
Thanks.
Tim
Dear Philip, Got your call but had cell problems and wasn’t able to return your call, but yes, I am from Ensenada and have the El Rey Sol restaurant. My problem is with a 28 year old daughter without a job that was given more than 30,000 dlls in credit line from Saks, this is without a job history, etc. While times were good, her mother helped finance, but as your are aware, tourism to Baja is extremely low, so I can’t do much to help. I was authorized to speak to the collections law office and they offered a 25 % cash discount or a 10% payment with 30 payments of 900 per month. What are my daughters options? She doesn’t have a job or anything to her name. My question is how do they give sooo much credit to someone in her financial reality. My cell is 858-414-4825, Jean-Loup