Never Let 'em Spin Your Head – Negotiating with Debt Collectors

Consumers who are “between jobs” have seen their credit card balances explode as they swipe plastic to make ends meet. Their interest rates have soared too, thanks to something called the Universal Default Provision in their credit agreement: miss any payment, anywhere and Slam! You’re at 29.9% everywhere. Add late payment fees and over limit fees and…Surprise! Some folks just can’t keep up.
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