I was laid off over 2 months ago, my husband 7 years ago and still out of work. I have a Discover loan in the amount of 23,000 interest rate 10% payment 479 per month. I called to see if they have a hardship program and all they did was tell me to turn down my air conditioning unit to save funds and pay my bill. I haven’t missed a payment yet, but now it is a questions of food/insurance/mortgage verses this payment.
Do I call again? Do I now stop paying them? I can’t afford next months payment. Do you think they will work with me on a settlement?
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