new here and need advice

[sk8gurl9]

Hi, here's the situation-I'm out on medical disability and am only able to work pt at less than half of what I used to make. This has been going on for 18 mos. and I'm not sure when/if I'll be able to get back to work FT. During this time I accrued alot of cc debt but was able to make on time payments on all 4 until July. My car broke down and hot water heater decided to die so I had to skip payment for July and August to pay for repairs. They started calling and I spoke with them about my situation. I asked if they could lower the payment and/or interest for 6-12 mos. so I could catch up and the CSR wouldn't budge. I really don't want my score to go into the toilet. Should I try and call again and see if I can speak with a manager or someone higher up? They have stopped calling now. Thanks for any advice!

[chane]

If they are already reporting the lates, it's already in the toilet. It only takes one late to make the whole account negative.

I would try to call and talk to a manager and keep calling until someone helps you. The squeaky wheel gets the oil.

[sk8gurl9]

Thanks for your quick reply. I'm going to start calling first thing in the morning and see if I can reach a manager or supervisor. I'm really hoping they'll work with me because I don't want to have to deal with charge-offs and CA's.