Debt insurance?

Look on your credit card statements and see if you are being charged a "debt cancellation fee". Do you really need it? Do you have any idea how much they get over the years? Did you even sign up for it? If not, call them and cancel it and demand a refund. They will apologize and offer you credit on your next 1 to 2 billing cycles. It must be in the fine print because my wife never signed up for any of these so she was furious. Try it, it may pay off your balance if you have payed for this for years. Good luck!!!!