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They are managed by morons. My Mom had a $9K credit card balance with these knuckle draggers. I called them up to negotiate the INTEREST rate down. She was in assisted living at the time and her health was deteriorating. But she still had enough income to make reasonable payments.

Nothing doing, they told me, after I politely explained her situation. So, I pulled the threat out of the bag: "If you don't cooperate, we may not be able to make any payments at all."

They countered with the threat of cancelling her credit card and messing up her credit rating. "She's 90 years old," I told them, "and I'm her power of attorney and won't even let you talk to her. Do you think I really think it is in her best interests to neglect her other needs to favor an uncooperative p*$$ant creditor? Just try me."

They still wouldn't budge. So guess what happened.