I AM 70 YR YOUNG I OWE ABOUT 44,000 I HAVER NEVER BEEN LATE IN PAYMENTS OVER LIMATE 3 OR 4 TIMES I AM ON S.S. DO NOT HAVE ANY OTHER INCOME I CALLED THE CREDIT CARD CO ,TO LOWER INTEREST BUT IN SOME CASES THEY INCREASED THEM SAYING I HAVE TO MUCH MONEY OWED WHAT CAN I DO WINEMAN1
Don't take no for an answer. I would call back and ask for supervisor and explain your situation to them. They can reduce your interest rate or put you in a special program to get the debt lowered.
If your scores are good look into opening a card that will offer you low or 0% on balance transfers. This will help you get what you owe paid down quicker. This is assuming that your credit card company won't budge. Don't be discouraged though, if they won't there's more than 1 CCC that wants your $ and will work with you. Good luck.
