<prompt> Human: As a result of some bad financial decisions the wife and I created about 35K in credit card debt over 9 years. I was just approved for a Home Equity Line of Credit and I plan on using it to pay off the credit cards. We will then budget monthly to throw as much money at the HELOC to pay it off.Here are the terms: Max Loan Amount 49,468.00 Rate Prime 1.74 4.99, 2.99 for first 6 months Can I get any of the big Credit Card companies to negotiate down my balance if Im willing to pay in full? My biggest one is Discover at 14,000Assistant: It might be possible if the CC debt has been sold to collectors.Human: Fortunately or perhaps unfortunately I have never once missed a payment on any of them.  <response>: Yea, theres no way theyre going to accept less than you owe them then. Just pay it off asap and get rid of that high interest debt. 