1. Restructuring. By law, banks must offer a new payment schedule if your debt exceeds half your income. One man said: “I filed a request and my payment was cut in half — even though they had been threatening court.” Banks rely on fear, but paperwork changes everything. It’s more profitable for them to get less than to get nothing. 2. Debt consolidation. Multiple loans can be combined into one with a lower rate. A woman shared: “I went from three payments totaling $1,200 to one payment of $480.”
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