I have a credit card with Bank of America on which I have about $7,000 balance. Right now, it's diffiuclt for me to pay the entire outstanding amount. Can anybody advice me on how to settle credit card debt with bank of America? I can give details of my monthly income and expenses if required.

I have enrolled in a debt settlement program just last month. Can my creditor increase the interest rate if I get out of the debt repayment plan.

I have paid an additional $4000 to an illegal payday loan lender in the last 6 months. The mistake was mine. I fell in their trap. Now, I have stopped making payments inspite of their repeated threats. But, how can I retrieve the money? Please help