I am in a little over my head with a Chase card $25,000.00 and a Citi card $20,000.00. I am starting to struggle with making my monthly payments. What are your thoughts on pursuing a hardship program for each one of these?
I don't know enough about these programs to give advice, but I suspect the cause of your financial distress is important.
Have you lost a job, been injured, endured a natural disaster, had a death in the family...something like that? Or you've just been overspending in general?
That information may be useful for someone else in advising you.