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letters to credit card comps

hi there,
can someone point me in the right direction of any templates i can use to advise the credit card companies that i cant pay the minimum payments and will be advising them what i can offer to pay and asking them to freeze interest etc?
i need to do something fast before payplan and i can sort something out as my baby is due in 10 days and i may have to go to hospital before hand.

thanks in advance

georgieb

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