402: How to Negotiate With Creditors (Even If You're Behind on Payments)

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If you're overwhelmed by credit card debt or behind on payments, negotiating with your creditors can make a real difference.

On this episode, I walk you through how to confidently talk to your creditors, lower your interest rates, reduce monthly payments, and request temporary relief.

WHAT YOU'LL LEARN:

• What to say (including a sample script)
• What to ask for: lower rates, waived fees, hardship options
• What to avoid saying on the phone
• How to escalate when you're told "no"
• How to work with a nonprofit credit counselor
• How to protect your credit score during negotiations

AND SO MUCH MORE

Even if you're already behind, it's not too late. You can do this.

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