What to do if I am unable to pay CC bills?

Hi Iris,

I have heard that many credit card companies have "hardship programs". These hardship programs help those who are unable to repay their credit card debts. They generally have reduced interest rates. Sometimes it is also possible to get the late fees and other penalty charges waived off. You can call your credit card issuer, and ask to be placed on their hardship program (if they have any).

I am unable to pay the credit card bill that has increased it's percentage limit to 29.99%
I cannot pay any more.

I had a the best credit history anyone could have in last 25 years,
have been charging cards and paying in timely manner always, but last September 2009 was laid off from job, since than have no income, was not interested in collecting FREE money from Unemployment, so started some business by charging credit card to buy stuff's and resell it on line, but doing that for almost 10 months figured out that I am in deep SH-T and have balance on credit card for almost $35,000, and have inventory of the items bought to sell by credit card is less than $5000.00 in hand, since credit cards has raised it's interest to 29.99% without any notice to card holders, cant afford to pay monthly payment of $800.00 a month with out a regular income, since I have no Job since September 2008. So I stopped paying the credit card bill to 1 of the creditor, Now other cards are doing the same thing by raising the interest to 29.99%.
Can someone help and tell me whats going on with the banks that they are going nuts with thier customers, who are unable to pay.
Today a creditor called and asked why my payment is past 45 days late, I told them that the reason is that the rate has been increased and I do not have a job, the caller asked me if I can pay $500.00 a month.
I told the caller if she is out of her mind that how someone can pay $500.00 a month when that someone do not have a income/job from last 1 year. The caller hanged up on me.

Similarly to others, I have a battle with CitiBank. Last year, I tried one of the debt settlement companies. I had 3 credit cards to pay off. Two of them were negotiated, but the Citibank one, the largest one (about $8000 in debt), turned this over to an attorney collection agency and they will not negotiate something I can commit to doing. They want $500 + a month for the next 6 months or we go to court. I told the debt negotiating company that I would have to go to court as I am not able to commit to their terms and would risk defaulting, which they said would not be good. I would have been agreeable if they had agreed to a 12 month period, but they declined. The Debt Negotiating company told me they were unable to get anywhere with this attorney (who was either hired to collect or perhaps he bought the debt). What is more, the Debt Negotiating company closed my account and returned the money that I had been paying to them so they could use it to negotiate. I am now on my own and don't know what to expect. Before the situation deteriorated to me being back on my own (less the fees I paid the Debt Negotiator), I also wrote a letter to the court explaining my situation, since Citibank or the Attorney had filed suit against me to collect the outstanding debt.
I am told that at some point, I will receive a summons or such to appear in court. Can you tell me if I would be better off letting the judge decide? Or should I call the credit card company and see if they would negotiate? I have figured out it would be probably be a bad idea to contact the Attorney Collection office. I live in Texas. Do you have any suggestions or recommendations? I appreciate your input.

I don't think it's worth contacting the credit card co. once the matter is taken up by the CA. Be present at the court if you receive any summon directing you to be there. If you don't appear in the court a judgment might be passed against your interest. I guess you'll have an opportunity to ask them to get things validated.

i lost my job and impossible for me to pay my credit cards. i need to go back to my home land. Do the bank can still ask for my payment either im in overseas?

Hi i am unable to pay creditcards bills as i am newly married i have full time job and have credit cards with 3 banks,unable to pay,what can i do,any best suggestions?
thanks

I have been battling with my cc debts. Bank has been calling and have been sending messages to my ex that they might file a complaint. My office mates who have been receiving calls from banks told them I am not at work anymore.
Would they at one point stop calling? I am unemployed taking care of my baby. I am a single mom by the way.

what is you sugession i have no money at this moment to clear my credit card bill. what can i do?

I have been sued for ccard debt, I am going to court soon. I had been working with a debt settlement company. Unfortunately, they were useless, the offers were way too high for me since I have been laid off. any advice?
I owe $7000 no job, no money. When i was laid off they asked me to sign a letter where I would not collect unemployment since they gave me $1000 5 months ago, and I still cant find a job.
Any advice? Thanks

i am ready to pay credit card payments in installment. I have a car. will the credit card banks will take my car.?

You can't, the credit card caompny determines which part of the debt gets paid off first, and guess what, they always choose the low interest portion.

Go to the major credit card weetisbs and look at the applications for student credit cards.I believe all CCs check credit reports, but it varies on the minimum requirements needed to get approved. Few will lend you money without checking if you are trustworthy.Your first CC will likely be a low-limit, high-interest one, so your credit-building task might be a slow one. Ask at your bank about getting one through them. Remember, if you get a CC, try not to carry a balance on it and DON'T BUY IT IF YOU CAN'T AFFORD IT. CCs are magic-money-cards, they are meant to make money for the CC companaies.

I left my job and now i am unable to pay my bill and i want settlement with bank what i do.

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