How do I negotiate to pay off a credit card with Bank of America?

Question

I had a BOA visa that i got behind on payments and with penalties and interst went from $13k to $21k. I spoke to them and they worked out a payment plan of $380 per month but the interst is so high after over 2 years of making all payments I still owe $20K?

What can I do will they take a settlement or stop charging this crazy interest I am near bankruptcy.

Answer 1

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