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Considering the situation of Francesca, the first thing she can do right away to address her credit card payments is to "contact the credit company and negotiate."

Contacting the credit company to negotiate the period and rate she would pay back while explaining her situation is the first thing to do.

Other things she could do are:

  • Consolidate all the debt on one balance transfer card.
  • Consolidate into a personal loan.
  • Pick debt management service instead of debt settlement service.

Hence, in this case, it is concluded that the correct answer is "contact the credit company and negotiate."

Learn more about debt repayment here: https://brainly.com/question/25696681

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