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

Page: https://stenobird.com/podcast/the-clever-girls-know-podcast-with-bola-sokunbi-432533/402-how-to-negotiate-with-creditors-even-if-you-re-behind-on-payments
Text version: https://stenobird.com/podcast/the-clever-girls-know-podcast-with-bola-sokunbi-432533/402-how-to-negotiate-with-creditors-even-if-you-re-behind-on-payments.md
Podcast: [The Clever Girls Know Podcast With Bola Sokunbi](https://stenobird.com/podcast/the-clever-girls-know-podcast-with-bola-sokunbi-432533)
Published: 2026-02-19T11:00:00+00:00
Episode link: https://265c1263-ce5d-4444-bdf8-234b60e3afc6.libsyn.com/402-how-to-negotiate-with-creditors-even-if-youre-behind-on-payments
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Duration seconds: 761

## Resource

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. More Clever Girl Finance Resources: ❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! clevergirlfinance.com/subscribe ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: @clevergirlfinance

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