$32K in credit card debt at 28% interest.....

[fxpose]

Originally Posted by mosesbotbol

He should close the accounts and negociate a lower interest rate. Even if his credit takes a hit, he could rebuild that later on.

You can't close the account if there is outstanding balance.
I once bailed my wife out of her $20,000/25% account. They closed the account only after I paid the entire principle in full which I did. Subsequently, I made her close all other charge accounts. All has been well since.