Saving is running out.How can I get the credit card Co to lower my rates.I tried calling asking to speak to the person in charge sill got NO!!!!!,my score is in the high 600. Companies is citiibank,chase,bofa,amex""hate amex now"
Unfortunately, they will typically only lower your rates once you become delinquent. It is a backward thinking paradigm but, it is the truth.
Because of your heath see if they would put you on a hardship program for a certain length of time.You will need your savings for everyday living.At a certain point your going to have to make the choice between rent and cc payments.
Under chap 13 you still have to work out a payment program.I would seek a bk attorney.They'll explain your options.Then go from there.
Repayments in Chapter 13s are calculated by the bankruptcy trustee. The individual sentenced into the Chapter 13 has no say whatsoever.
