I should get around to telling a short little background story as to why I am in the situation I am today.
My primary goals at the moment is to calculate just how much I am in debt (specifically to credit card companies) and then figure out what the debt ratio is, prioritize them in order of interest rate and most importantly, contact these companies and see what I can do about negotiating a lower APR....
I'd be lying if I said I wasn't nervous. I am actually not sure what I should tell them. Alright, I must formulate some plan of attack. The worst they can do is say no...eek.
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