Can I ask my credit card companies to wait until I can pay?

Related Ads

Need Professional Help? Talk to a Lawyer

Enter Your Zip Code to Connect with a Lawyer Serving Your Area

searchbox small


I have had a number of credit cards for the past ten years. I normally make monthly payments, but for the last three months, I haven't been able to make any. I want to pay these debts, but how can I get the credit card companies to give me more time?


Beat the credit card companies to the punch and they just might be sympathetic.

Write to your card issuers, explaining that your income has been fluctuating widely over the past few months and stating that you intend to repay your debts in full -- a letter much like your question above.

Then offer to pay a regular amount that works for you -- such as $25 a month. Show that you will put your money where your pen is: Enclose a check for that amount and keep paying at that rate. Send your letter and check to the customer service department, not to the place you normally sent payments in the past. (To learn more about contacting credit card companies and handling debt, see Nolo's article Dealing with Debt: An Overview of Your Options.)

Get Professional Help

Find a bankruptcy or debt settlement lawyer.
how it works 1
Tell us about your case
how it works 2
Get matched with local lawyers
how it works 1
Connect with your lawyers