How JustAnswer Works:
  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site.
    Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.
Ask Law Girl Your Own Question
Law Girl
Law Girl, Attorney
Category: Bankruptcy Law
Satisfied Customers: 4606
Experience:  I am an attorney.
Type Your Bankruptcy Law Question Here...
Law Girl is online now
A new question is answered every 9 seconds

If my credit card account is closed but I still have a ...

Resolved Question:

If my credit card account is closed but I still have a balance that I am required to pay, do have any rights as far as negotiating a lower rate, better payment terms. The card company says because it is closed, they cannot change the APR or payment.
Submitted: 9 years ago.
Category: Bankruptcy Law
Expert:  Law Girl replied 9 years ago.


Thank you for your question.

Unfortunately, you do not have any "rights" in this regard. Whether a credit card company will negotiate a lower payment or APR is strictly voluntary. If they do not wish to negotiate with you, then technically they do not have to.

Please let me know if you have any other questions, or require clarification of this matter. Otherwise please hit "ACCEPT", so I may receive credit for my response. Tips and feedback are also appreciated.

Good Luck!


Law Girl and other Bankruptcy Law Specialists are ready to help you