Long story short, after being cut off from work and now trying to balance a minimum wage job, medical bills and supporting a family my paypal credit debt has reached 23k. I signed a cease and desist earlier in the year with paypal credit. I was charged $700 interest on my last statement and I have more promotional transactions expiring next month so I’m assuming that leads to more interest. I’m considering filing for bankruptcy, but if possible I would like to pay off this balance if I could get time. Is it possible to lower my interest rate, or get 0 interest or some sort of a payment plan? At this rate if I’m only making the minimum payments it won’t make a difference due to interest. Please help
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