My wife & I (48yo) always make payments (almost always above minimum) on time, & do carry a little too much debt which thus far has been manageable.
I recently had an accident & had a total hip replacement.
Will be out of work for at least a month, but I’m in pretty decent shape & think that I will have a good outcome in a reasonable amount of time.
My concern is being able to keep up with our cc payments during this time…
We have a little too much debt-to-income so very doubtful we’d qualify for a loan or anything like that.
I am interested in advice in how to contact creditors & ask to freeze accounts & for low to zero interest for 2-3 months, until our income returns to normal.
We only have about $2500 in savings at this time.
Between us we have about a dozen CC’s & $50k in debt, plus 2 car payments.
Yeah I know, not ideal, but that’s where we’re @ & I’d very much appreciate courteous & sound advice.
Thanks in advance!
