Hi. I currently have about 35,000 debt on a Cit
I currently have about 35,000 debt on a Citicard. I have had the card for 9 years and never been late. I am living the recession nightmare (lost job, short-saled our house, etc.) but are slowly moving back up. Through it all we have been able to keep current on the credit card until now. Back in February, I was unemployed and was told I qualified for hardship program. Now I am part-time employed and they say I am no longer qualified. I want to pay the debt, I just can't handle the payment. My question is, do I have to default on the payments before someone will play ball with me? So far I can't get anyone to talk to me or even ask for my financial information. If I do default, what is the effect and length of time on my credit score?