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Bank of America, for example, has accelerated efforts to reach out to customers early in the delinquency cycle, before their situation becomes too distressed."We recommend that they contact the bank so we can evaluate their individual situation and propose the appropriate, customized solution," says Bank of America spokeswoman Betty Riess.In concise paragraphs, recap your situation, the agreed-upon resolution, and a statement of how you are committed to keeping the account in good standing.Don't forget to add your telephone number and email address, so your card issuer can easily contact you.
In general, secured obligations such as mortgages and vehicle loans receive top priority, as home and car lenders don't have to take you to court and win a lawsuit to collect what's owed."When I got past that and began to communicate, things got a lot better." She also suggests employing an ally."Have a friend sit with you while you make the call.I would tell them that instead of paying 0, I can send but I can do it every month." Though she was apprehensive about making those calls, she often found creditors to be "great; very understanding." As you're going through the numbers, try not to get discouraged.Overall, lenders are eager to help borrowers in need.