One can find more information about credit card debt negotiation settlements in different consumer guides. BeginnersInvest offers an article named "How to Negotiate a Credit Card Debt Settlement". That article handles the topic more in depth.
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Credit card negotiation is when you contact the bank and negotiate your credit card debt. This can mean negotiating a payment plan or just trying to get the overall debt reduced.
Most credit card statements will show you how long it will take to pay off your credit card debt based on your minimum payment and interest rate. You can avoid debt settlement and debt consolidation with credit card negotiation. My Plastic Wallet specializes in credit card negotiation. No up front charges and their work is backed by a 100% money back guarantee if they can not help you pay off your debt at least 3 times faster. http://www.myplasticwallet.com
A credit counselor may be able to help you get a debt settlement on your credit card. It will depend on if the counselor only gives you ways to get out of debt or if they are a settlement counselor.
Credit card debt negotiation can be used to dispute any unauthorized fees and charges. It can also be used to negotiate terms (such as interest fees, late payments) and lower one's assumed debt.
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