<prompt> Human: I have about 9500 in credit card debt between 3 cards that I will be paying off when my home sells. Is it possible to negotiate a lower payoff amount on these? For instance, if I owe 5,200 on a card, can I offer them 5,000 to pay it off? Im not behind on my payments.  <response>: Not really. You have no leverage until they give up on you paying your debts. 