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Some lenders may reduce or suspend your payments for a short time.
When you resume regular payments, though, you may have to pay an additional amount toward the past due total.
Not all Card Members will qualify for a ,000 loan or an 8.98% APR.
Tell them why it’s difficult for you, and try to work out a modified payment plan that reduces your payments to a more manageable level.If you fall behind on your mortgage, contact your lender immediately to avoid foreclosure.Most lenders are willing to work with you if they believe you're acting in good faith and the situation is temporary.Whether the crisis is caused by personal or family illness, the loss of a job, or overspending, it can seem overwhelming. Your financial situation doesn’t have to go from bad to worse.If you or someone you know is in financial hot water, consider these options: self-help using realistic budgeting and other techniques; debt relief services, like credit counseling or debt settlement from a reputable organization; debt consolidation; or bankruptcy. It depends on your level of debt, your level of discipline, and your prospects for the future.
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If your required monthly credit card payment is higher than the monthly credit card payment in our example, or if your credit card APR is lower than the credit card APR used in our example, potential savings on interest will be reduced.