Are you struggling with credit card debt? The year 2025 brings new opportunities to pay less interest and take control of your finances. According to CBS News, one way to save money on credit card debt is to negotiate a lower interest rate with your credit card company. By simply asking for a lower rate, you could potentially save hundreds of dollars in interest each year.

But what happens if you receive a credit card debt settlement offer and decide to deny it? CBS News reports that while denying a settlement offer may result in continued collections efforts from the credit card company, it could also lead to a better offer in the future. It's important to carefully consider your options and speak with a financial advisor before making a decision.

If you find yourself facing a credit card debt lawsuit, there are ways to have the case dismissed. CBS News highlights that creditors may not have sufficient evidence to prove the debt is valid, or the statute of limitations may have expired. By familiarizing yourself with your rights and seeking legal guidance, you can potentially avoid the stress and financial burden of a lawsuit. Take control of your credit card debt in 2025 and pave the way to a brighter financial future.