posted by on Aug 19

Debt Management
Margene H asked:


I have 3 cards-Chase ($8000 debt), Discover ($7000 debt) & Citicard ($2000 debt). The minimums are too high for me to pay & I’m now a month behind. I’m sending in what money I have to each creditor, but its still not meeting the minimums.

In your experience have Debt Management Companies been able to set up a Debt Management Program with these 3 creditors? Have the creditors been willing to work with a Debt Management Company?

I’d call the companies myself, but I hear they are horrible to deal with & never negociate lower payments & now I’m a month behind-so I’m sure they won’t want to even talk to me!