Hello! My husband earns a decent salary. I use to handle Our money and paying the bills. Although we never had much left over. the bills did get paid. In 2000, I got ill, became disabled and my husband took over the finances. He was never very good with money and as the saying goes, " It burnt a hole in his pocket." He would get these pre-approved credit card offers in the mail and accept them. Last year, he finally came clean with me. He is maxed out on all of them to a tune of $30,000. I have tried so hard to make the monthly payments, but its not happening. My husband has tried to take responsibility for what he's done by working as much overtime as he can get( roughly 70-80 hours a week). He's 61years old and his health is starting to slip. I have called most of our creditors, trying to work with them, by either asking them to lower our payments, drop interest rates from 31.99%, or possible reducing our balances. I have been successful with only 1 creditor. I told them I do not want to file bankruptcy, begging them for an alternative. Can anyone suggest to me, What I am doing wrong? How do I get them to work with me? Thanks, Pam
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