Sometimes you find yourself having some trouble paying off some of your bills. The first rule of thumb is to take care of your personal needs first and then work on paying back your creditors. Certain things are paramount, like car insurance and mortgage/rent, which means you need to look at items like credit cards and loan payments to try to negotiate a lower payment rate.

Before we get too far into that, you need to know that this should be your second to last line of action, which the last thing to think about being bankruptcy. You should consider these two points before you go down the negotiation road.
Continue reading How To Negotiate Loan/Credit Card Payment Adjustments →