I lost my job 7 months ago and my emergency fund is also drained. Is there anyway by which I could lower my minimum credit card payments for the next three months so that my credit won't get affected.

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You can talk to your creditors, disclose your poor financial condition (primarily your job loss), and request a deduction in interest rates so that your monthly payments get lowered. If they don't agree, consult a professional and trustworthy debt settlement attorney. 


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