Help please on credit card debt

helpmeplease1981

Hi,

I have recently been diagnosed with an illness that means I am off work undergoing treatment for the forseeable future (certainly the next 6 months) and have also had to have a fairly major operation.

I am, therefore, unable to work - however, luckily I had protection for my mortgage and car loan that is paying out. However, I have two credit cards (both approx 5k) and I just can't meet the minimum repayments each month anymore.

Can anyone offer any advice on what I can actually ask the credit card companies to do? Can I ask for reduced payments? I realise that my creit rating will take a hit, but that is the least of my worries at the moment...

Any help or pointers would be greatly appreciated.

Thanks

Jon

RAS

Hi

In your sitauation, I recommend you ask one of the debt charities to do the work for you. Creditors are a bit more understanding and people like CAP and CCCS will be able to popint out that they should not be taking actiojn against someone who is seriously ill.

Look here https://forums.moneysavingexpert.com/discussion/2077631