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Sample call to a creditor

An example of a hardship call.

You: Hi, I am having a temporary hardship and may not be able to pay my full bill this month.

Creditor: I can look at options.

You: Do you have a hardship program or a lower payment plan?

Creditor: We can lower your payment for three months.

You: Thank you. Can you send that in writing?

Creditor: Yes, we will email it.