If you don't care about damage to your credit you can stop paying and ask for settlement in 3-6 months of 30-50% but you will need to be able to pay that in a max of 12 payments usually.
however, you can probably get a "hardship" plan by just missing a payment and not even letting it go long enough to report a 30 day late on your credit.
"a financial hardship plan" is what you would specifically ask for after missing a payment.
be care, it's ALWAYS A COMPUTER" that spits out results even though you are talking to human... so your story is not important and crying won't help you.
just to the point answers and when they go over income vs payments you need a POSITIVE CASH FLOW at end (I know that doesn't always make sense when you are unable to make payments but it's how these plans were set up with banking regulations.
so plan your numbers before calling
income 2000
rent 800
car 200
utilities 100
gas 100
food 300
bills 100
cash positive (include your payment to them in your figures)
obviously rough examples and as you make more money you want a bit more cash left to make payments!!!
or else the computer will just say no plans available!
if so wait a week or so and call and do it again.
