2 credit card companies are offering 60% off balances, but want a full payment. Can I negotiate a pmt. plan?

Question by Robyn: 2 credit card companies are offering 60% off balances, but want a full payment. Can I negotiate a pmt. plan?
If I can negotiate the payoff but I can't get an affordable monthly payment plan, should I use an overdraft loan (set up for my checking account) to pay off credit cards? The interest rate is much lower and it would be one payment, as well as a significant reduction in my credit card debt.


Best answer:
Answer by Spock (rhp)they won't bargain. payment is all

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