As a alternative to bankrupcy, I contacted Citibank via email and requested they lower the exorborant 29.99 pct interest rate so that I would be able to honor my debts through divorce and unemployment. Bankrupcy has become a real option or us, together and individually, but I thought that if Citibank could do what American Express has done for me with its credit card hardship program (zero pct for a year) I might be able to avoid the dreaded B word.
More to come....3 year old is ready for bed......
