Yes, you can obviously try to negotiate in order to come up with better terms with them.

Several credit cards and medical bill payments taking most of her and husbands monthly income.

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Yes, you can obviously try to negotiate in order to come up with better terms with them. Try to make them understand your present financial condition and why you need a reduction. Also, tell them that you may file for bankruptcy if your proposal gets rejected. This might help! However, usually, creditors or collection agency hardly listen to the debtors' proposals. Nevertheless, if they reject, you have the option to hire a professional debt settlement company. So I wish you all the best! :)


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