Got this off Clark Howard:
Speaking of getting yourself out of a bind, Bank of America is offering a new service for their creid card customers. Letís say youíve been pretty good about paying your bills but youíve hit a bump in the road and canít pay on your bill. BOA has set up a Web site, https://www.myeasypayment.com/Welcome.asp where you can propose your own payment plan. Basically, you are your own collector and you avoid the annoyance and harassment of regular collectors. So far, itís been a great program and Clark congratulates BOA on their innovative idea.