You can negotiate credit card settlement with literally any lender and settle for a lot less that you owe. Does not matter which bank or credit card issuer you are dealing with, Chase, Bank of America, Capital One, American Express or some no-name collection agency that drives you crazy – you need to engage them, negotiate and settle. Conduct debt negotiation on your own. If you get someone else involved as go-between, your credit card settlement will be more costly and you also end up paying high fees. It is …

Credit card debt is a real burden. For individuals like yourself and also for the economy.  Since our economy has been stagnating at the very least and is based mostly on your spending, you should negotiate credit card debt quite vigorously, so you can free up your credit cards and spend again. And again. In fact, I think our government should offer free classes on how to renegotiate credit card debt yourself. It will probably create more jobs for debt counselors and support stuff than all the bail outs from …