Why Consumers Don’t Need to Be Expert Negotiators to Settle Their Own Credit Card Debts

In this article, my aim is to explain to consumers the why of credit card debt settlement, meaning why a bank would be willing to negotiate with its customers and accept a payoff amount less than the full balance owed. Once you’ve understood this background information, it becomes very easy to understand why consumers can negotiate better settlements with their creditors than so-called professional negotiators.
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