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Dear friends and comrades, I am in need of some serious help.
My fiancee are in some pretty serious debt. We carry quite a bit of credit card debt from when I was unemployed, we have a mortgage, and a home equity loan to deal with. On top of that, my student loans that I deferred will be reinstated in a few months.
We pay over the minimum on our cards, but they are still killing us (softly lol). I need some assistance for what options I have in regards to paring down this debt. We tried contacting some of the credit card companies, but they are unwilling to negotiate. In fact, one of the cards, who jacked up my fiancee's interest rate after a singular late payment (one late payment in 5 years of having the card), and refused to budge on it. We borrowed money from her father and made a huge lump payment on the card. Their response? Close the account and say "sorry, account needs to be open to adjust the interest rate". Which means the balance on the account is currently trapped at a shitty interest rate.
We tried to get a loan from our bank, but knew they would turn us down with the problems we've been having.
Any ideas? We certainly don't want to have to go down the bankruptcy/consolidation route, but since our credit is getting trashed anyways, I'm starting to contemplate it. I'm concerned that once the other credit card companies see someone closed an account on us, they may do the same.