Which organization is a good resource for negotiating lower interest rates or payments on credit card debt?

The Consumer Credit Counseling Service is an excellent resource for individuals seeking assistance with negotiating lower interest rates or payments on credit card debt. This organization specializes in providing financial counseling and debt management services. They can assist clients by evaluating their financial situations, advising them on budgeting, and negotiating directly with creditors to secure lower interest rates or more manageable payment plans.

Through their programs, individuals can gain access to financial education and develop strategies to manage their debts effectively. This hands-on approach often leads to favorable arrangements with creditors, which can be particularly helpful for those struggling to keep up with their obligations.

While other organizations, such as the Consumer Financial Protection Bureau and the National Foundation for Credit Counseling, also provide valuable information and resources regarding consumer rights and general financial guidance, the Consumer Credit Counseling Service specifically focuses on debt management and negotiation, making it the most fitting choice for the context of negotiating credit card debt terms.