DH got his first check from work, I got my last one. Talked to a creditor to whom our balance with late fees was $251. If I was able to make a $100 payment today, they would credit back all the late fees ($70) Which would leave me with only an $80 balance before it was completely paid off. So even though I would Have preferred to pay them $50-60 today, not having to pay back the additional $70 was a big carrot.
Posted by tcradmin on 04/28/2015