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Key bank- Charge off- negotiating re-payment amount

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Key bank- Charge off- negotiating re-payment amount

My husband is now getting calls from Key Bank- they just ask him to call. We want to have our ducks in a row before we call. Has anyone had success negotiating a payment plan with them? Previously we were paying over $1000 per month- that would be impossible now because I am out of work and staying home with our children. (Just for our kids to go to daycare would be over $2300 per month) 

Any tips on negotiating with Key Bank to get a reasonable payment? 
Thank you for any constructive advice you can share.

 

SAHM954

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