Hi to everyone im new here and was hoping for guidance by someone who has went through this before.
I had a good job but started having alot of health issues that made me go on permanent disability. You can understand how this effected my income. There is no way i can afford my current cc payments and be able to live. I could however make it,i believe, if i could get on some kind of hardship program to lower my min.. I have cards with citi,chase,capital one, credit one bank,which is terrible,by the way, hd.. to a tune of 20k.Can anyone help me out here?Maybe tell me what i could say to them when i call or what not to say or just some advice..