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06-Aug-2016 17:42

Sally Herigstad is a certified public accountant and the author of "Help!

I Can't Pay My Bills: Surviving a Financial Crisis" (St. She writes "To Her Credit," a weekly reader Q&A column about issues involving women, credit and debt, for Credit, and also wrote for MSN Money, and, and has guested on Martha Stewart Radio and other programs.

"In fact, it just went down from 20.15 percent to 19.15 percent." "So there's nothing you can do?

" "No, but you can speak to a supervisor." She transferred me to a man who said the same thing -- I already have the best rate.

he boarding procedure has barely started at Chicago O' Hare, and Ben Schlappig has already taken over the first-class cabin.

Inside Cathay Pacific Flight 807 bound for Hong Kong, he's passing out a couple of hundred dollars' worth of designer chocolates to a small swarm of giggling flight attendants.

It's a whirring hive mind of IT whizzes, stats majors, aviation nerds and everyone else you knew who skipped the prom.

Schlappig owes his small slice of fame to his blog "One Mile at a Time," a diary of a young man living the life of the world's most implausible airline ad.

When I started to say I've had this account for 10 years, she broke in, "I know what you're going to ask. "I wondered if you had a better rate or a different plan." "You already have the lowest rate," she said.

I was fortunate enough to get a loan from my uncle to pay my debt off.

My question: I'm not delinquent with any of the cards, so would it be wise to try and negotiate a pay off amount with the credit card companies?

With wide ears, Buddy Holly glasses and a shock of strawberry-blond hair, Schlappig resembles Ralphie from if he'd grown up to become a J. Back beyond the curtain in business class, a dozen jowly faces cast a stony gaze on the crescendos of laughter and spilled champagne — another spoiled trust-fund kid, they've judged, living off his parents' largesse. They're self-styled competitors with a singular objective: fly for free, as much as they can, without getting caught.

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In the past 20 years, the Internet has drawn together this strange band of savants with an odd mix of skills: the digital talent of a code writer, a lawyer's love affair with fine print, and a passion for airline bureaucracy.

That can also be a red flag: Under the federal Fair Debt Collection Practices Act, collectors can’t threaten to take action they can’t legally take or don’t intend to take.