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You can do all your negotiating on the phone. The major bank card banks have sales departments open extended stays so even though you work throughout the day, you’ll be able to still reach a representative and discuss your accounts. You get a considerably faster reply to your credit card debt settlement offers when you find yourself talking to them than looking forward to correspondence inside mail that will not arrive.
You could also consider negotiating using the company. Tell them you are facing difficulties and you can only afford to pay a quantity on a monthly basis. You would be surprised what number of would agree. You can also use some reverse psychology stating another company has offered to settle your dues of course, if you switch, it will give you a level lower interest.
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