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If part of the debt your fighting is credit card debt, give your credit card company a call and let them know you’d like to negotiate your interest rate. It’ll take a bit of your time to make the call and work through any details, but you’d be surprised just what these companies are able and willing to do for their customers to keep them happy. With that said, keep in mind that the worst they are going to say is, “No.” So there is no reason to get upset if you can’t lower your interest rate… at least you tried. Always remember, you get more with sugar than you do salt… so be nice and be gracious with the outcome.

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