credit card hardship programs - chase denies?

I just found this site yesterday and I am amazed and grateful for the wealth of knowlege and helpfulness of the members.

We have about $110,00 in credit card debt due to many factors. We own our own business. We are current on all of our bills, but I don't think we can hold out much longer.
I have been working with our creditors over the last month, and have had some luck in working out hardship payment arrangements with Bank of America.
However when I talked to Chase, they were really rude and told me that we don't have enough income to qualify for their plan. Hello??? We are current in all our bills, and have a good track record.
Can someone help me with how to deal better with these companies, what to say to get them to help us out? I am nervous now about calling other companies and getting turned down. This was my last hope in making some headway.
Any advice would be greatly appreciated. The stress is killing us.
Thanks so much!

Thanks for any help!

Try missing a payment and then you will see all kinds of offers they could not do when you were paying. If that does not work miss another one, your credit will still be OK and you will get great offers as far as lowering monthly payments and interest rates. Good luck.

From my understanding, Chase is difficult to work with on a hardship plan. They want all your financial info and make a determination based on that. If they feel you don't have enough extra income (based on their qualifications) to make the payment, you will be denied.

Yes, they do ask for your income and expenses to determine if you qualify for a hardship program. The reason that they do this because if you make boat loads of money then you should be able to afford a payment with a little bit of interest. If you don't make enough money to pay your bills no matter how much you cut out of your budget then no matter what chase does for you they know it will not help. Chase is in fact really nice to work with. I have 3 cards with them and I told her what we could afford to pay every month. She took all of my info and came back with a number close to that. The terms I got were 0% interest for 5 years plus they forgave $700 to make the payments work. It all depends on you are talking with. I talked with someone who had no clue what she was doing and i was denied the hardship program at first. A few days later, another lady called and I told her my story and she said that person didn't know how to properly process it. So if one person will not work with you keep trying!
Good Luck,
Deanna