When seeking credit card debt forgiveness, it's important to be proactive in negotiating with your credit card companies. Here are some tips for negotiating:
- Be honest about your situation: Explain your disability and how it has impacted your financial situation. Provide documentation if necessary.
- Be prepared to make a reasonable offer: Research your options and come up with a realistic proposal for debt forgiveness. This could include a reduced interest rate, a waiver of fees, or a longer repayment period.
- Be persistent: Credit card companies may not agree to your proposal right away. Be prepared to negotiate and don't be afraid to ask for a supervisor if necessary.
- Keep records of your conversations: Document all communication with your credit card companies, including the names of the representatives you speak with and the details of your conversations. This can be helpful if you need to escalate your case or provide proof of your efforts to negotiate.