Question:
interest rate or to elimate the interest rate so I can pay off my credit these installment I am making is not helping because the interest rate is killing me
Answers:
You can ask them if they have a hardship program that freezes interest. If you've been a good customer that pays on time, you can request that they lower your rate or you'll have to consider a competitor. Unfortunatley there's nothing you can say that will absolutely *make* them lower your rate--they want you to stay in debt as long as possible, because you are paying them interest. The fact that your payments aren't lowering your balance due the interest is a "good thing" in their eyes, because it means they have a customer making them money for a long time.
either they do or you quit paying them at all your making no headway
Call them and tell the reasons that makes you not to pay the debt e.g loss of income and I bet they will be willing to work with you rather than deal with the aftermath of you filing bankrupcy.
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