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How to Eliminate Very Old Credit Card Debt

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Credit Card Debt

If you have got a lot of old debt especially with your credit cards then you really do want to find a way in which you can get rid of them before you do anything else.  You know that it is hard to get rid of debt and for some of us it will be something that we can never do but there are many ways in which you can eliminate your debts.

With credit card debts they can really be a nightmare and they can cause a lot of problems for your health.  You are put under a lot more stress and strain than usual and it can just become all too much for you to handle.

The truth is that you are going to have to get rid of this old debt even if it is a decade old.

What you are going to have to do first is to contact your credit card company; now you should be calling them first so that you can talk to an adviser – even the supervisor is the best bet for you to choose to speak to.

You should be asking if they are really experienced or not because you don’t want to be dealing with someone that doesn’t know what they are doing or even haven’t been in the job long either.

You should be talking to your supervisor in a calm and very professional tone so that you don’t give them any problems and that if you speak in a calming and very polite manner then they will do the same with you.

Tell them about your credit card history and what the problems are exactly because this is for you to get to speak to someone that truly wants to listen to you and to get someone that wants to help.

You should be asking the cards or the accounts in fact are active and what you actually owe but don’t try to argue with them over what you owe if you think that is wrong, if you find that who you are dealing with is being uncooperative then take the name and lodge a complaint with the company.

You should then explain to the company what old debt or debts that you have concerning your credit cards and then tell them that you want to pay the debt off sooner rather than later.  You should tell them about your finances and then tell them what you can reasonably pay from the income.

Tell the company that you have had some problems with money but now you want to pay the debt which will be taken kindly by the credit card company.  If you start a proper relationship with the man in charge then they can help you to get back with your repayments.

You may enquire about any programs concerning old credit card debts and if so then ask if that is something that you can get onto to help you repay the debts.  There might be a loan forgiveness program or consolidation.  If there are then a lot of the times the credit card companies will be happy to help with this because they want their money back and if you do repay the debt they believe that you will open another account so they are more than willing to help.


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