Find out how Discover is leading the way to helping people who are behind on their credit card bills.  Account Manager Lisa Fowler explains how to negotiate with any bank, not just Discover.

Learn the KEY PHRASE you need to know in order to get on a payment plan with credit card companies.  Lisa also tells host Heather Kelly how long you have to be a member before you can get help.  And always be nice to the person on the other end of the phone.

You can follow this show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.