402: How to Negotiate With Creditors (Even If You're Behind on Payments)

402: How to Negotiate With Creditors (Even If You're Behind on Payments)

Author: Clever Girl Finance February 19, 2026 Duration: 12:41

New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to order now

If you're overwhelmed by credit card debt or behind on payments, negotiating with your creditors can make a real difference.

On this episode, I walk you through how to confidently talk to your creditors, lower your interest rates, reduce monthly payments, and request temporary relief.

WHAT YOU'LL LEARN:

  • What to say (including a sample script)
  • What to ask for: lower rates, waived fees, hardship options
  • What to avoid saying on the phone
  • How to escalate when you're told "no"
  • How to work with a nonprofit credit counselor
  • How to protect your credit score during negotiations 

AND SO MUCH MORE

Even if you're already behind, it's not too late. You can do this.

 

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Money conversations often happen behind closed doors, but The Clever Girls Know Podcast With Bola Sokunbi throws those doors wide open. Here, founder Bola Sokunbi of Clever Girl Finance moves beyond theory to host frank discussions with women who are actually navigating the messy, real-world journey toward financial freedom. You’ll hear from people at every stage-from those tackling overwhelming debt to others strategically building investments and businesses. These aren’t abstract interviews; they’re personal stories about the setbacks, the windfalls, and the daily decisions that shape a financial life. This podcast digs into the emotional and practical sides of money management, all through the lens of women taking control to design a future on their own terms. It’s a space where the jargon is stripped away, replaced by relatable experiences and actionable insights. Tuning in feels like joining a trusted circle where honesty about salaries, savings, and financial fears isn’t just allowed, it’s the whole point. The Clever Girl Finance platform built its reputation on empowering women with financial education, and this audio extension delivers that same value in an intimate, conversational format. Each episode serves as both a reality check and a source of motivation, reminding listeners that building wealth is a personal journey with many paths, all worth exploring.
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The Clever Girls Know Podcast With Bola Sokunbi
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