I have my cell phone tuck up to my ear with my shoulder as I type this. I'm waiting on hold for a "credit counselor." I hope to learn that they can negotiate with credit lenders for lower interest rates.
In reviewing bankruptcy and debt management plans, I realized that I can be debt free in 4 years if I have no interest rates! At current rates, it is unlikely that I will be free until something like 2051.
Just a minute...that's the phone.
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