Credit Card

Do not trust them.
Know who they are first.
Do they have formal appointment letter from the credit card company? If not, it is not justify to trust them.
Do know how they treat the re-payment.
Ask them what kind of arrangement is that in details.
Negotiable for the interest? I do not belief in this.
They are working on percentage of howm much on they can get back.
If they use unlawful action. Go to police for complaints.
Try to tape recording and take movies or photos. Let them speak out who they are and representing who.
When you are going directly to Bank, follow the above advises and procedures also.
It is merely to protect you ownself. All of the above advises are lawful and it is your rights.
Of course they try to persuade to return the 本金再傾利息. Otherwise, within short period, they will loose their appointment and the job switch to one of their competitors. That is why they will tell all kinds of stories and just make you trust them that they can handle it.
Remember that they do not have such authority to negotiate such arrangements. If they insist, tell them to get the solid proof.

Better e-mail me for further info and advise for free.

You need credit card loan agent to help you to reduce the interest.
You need to FACE the problem not hidding from it.
Discuss with the staff to ask for reduction on penalty interest otherwise
you have to go through bankupt ... and through court.
that can ruin your credit completely ...

The key, reduction on penalty and ask them to calculate according to your
monthly salary to pay it once portion at a time. But you need to be honest
and fullfill your payment this time, otherwise, they can sue you big time.

good luck

alien