I don't know if you have any thoughts about this but my wife and I feel like we can get out of our current financial situation without filing bankruptcy if we could just get a little lower interest rate on one card that we owe over $20,000 on. I have other cards with lower interest rates and we are doing OK on paying those. But I'm wondering if it's possible to negotiate on the rate and if so what I should try to do? Is this a legal issue or does it just depend on the card company?
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