Yes, you can reduce your time limit by consulting your credit card company. It is more important for you to solve the issues of your credit card. If credit card company get agree than you can get solve the problems of debt directly with the company. It is more important to get consult the credit card company and ask to settle the debt issue by repayment of certain amount for fixed year terms. Some credit card companies give 5 to 15 years term period to the credit card users. It is most important to get the agreement and repay the amount as per your convenient.
Tell me can I contact the debt consolidator directly to get aware about the problems?
You require selecting the proper debt consolidator who gives advice to get aware about the problems. It is important to get discuss the issue with the company and set lower payment option to get the proper debt recovery programs. It is most important to solve the issue and get recovery as per your needs. The debt consolidator with help you to get recovery from the debtor and give proper solution to the debtor.