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Hi. I'm hoping you can help me with CC debt. We make 100 G/year
and are in the 28%/32% tax bracket. Have been late with payment for AmEx a couple of times, once missed payment, but never have been delinquent or had collection agencies call us. Some of the tips I've read say to call the CC company, ask for reduced interest rate- would that apply in our situation? We are $55 000 in the hole. Would we benefit from using our 401K/403 b retirement funds to pay it off?

Thanks!
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