I'm in debt and it's hard to overcome because I owe a lot of money to my creditor.
That is no good. I bet that is stressful.
I know, my credit card company won't stop calling me.
What are your options?
Right now, my only option is to try and find a loophole in the contractual terms.
Are they willing to work with you at all?
Yes, they are willing to work with me on the timing of repayments, but the interest rate is just too high.