David L asked:


Like many Americans these days I am having trouble paying my credit card debt.

The balance is $8,000 and I am having trouble making the monthly payments.

What is the best course of action here? Should I make arangments with the company currently? Or is it better to let it go to collections and try and make some kind of lump sum deal?

Also, will I get sued if I do not pay? If so when?

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