Question

Lizzie owes over $7,000 on her credit card. She has been unable to make her minimum monthly payments and is being charged high fees. What is her best course of action?

A. paying all her income directly to a debt management plan she found on the Internet

B. hiring a lawyer and avoiding any contact with the credit card company.

C. ordering another credit card and using the new card for purchases

D. contacting the credit card company and negotiating a reduction in fees