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Do be aware that there are many furniture stores that will allow you to pay for all your furniture purchases on a monthly installment plan.
An installment plan would be good for the furniture shopper who has to have everything right away.
The major risk of this shopping method is that you will buy the items, make an installment plan and then not have the funds to make your payments on time.
The card issuer may be willing to settle for up to 50 percent of the outstanding amount if you are willing to set up an installment plan to pay off the remaining debt.