So, you have been in an accident. You’re running out of money and you’ve maxed out all of your cards. There is no way you can pay off this debt but don’t panic and listen carefully. Most credit card companies are willing to negotiate and they would rather get something rather than nothing. Call a law firm that specializes in reducing credit card debt and ask them what they can do for you. Usually, they can negotiate your debt down and will charge you a relatively small fee on what they save you. Be sure to call Legal Capital, we can also help with a cash advance.