non profit credit card counseling

Call your creditors

There are many ways that credit card companies can reduce your monthly payments, including an interest rate reduction. By calling your creditors and just asking if they can reduce your rates, you have a chance at helping reduce your minimum monthly payments and making your debts more manageable.

Sell your personal property

Selling off your property may not sound like a lot of fun, but when you declare bankruptcy it is possible to lose your personal property anyways. By taking the initiative and selling it off yourself you can usually get more money and you can pick and choose which items you sell. Take the money you make from selling your property and pay it directly to your debts for a quick reduction of your debt and your minimum payments.

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