Just got off the phone with them after a week of them calling me several times a day and not leaving messages.
My balance is $3,927. Entered into agreement to have interest rate reduced to 7.99% for one year with monthly payments of $77.00. That will give me some "breathing" space until I can settle with Citibank ($14,000) and BOA ($13,000). Wanted to have enough $$$ saved to deal with them since they are the biggest and I am almost 60 days.
Hopefully in one year I can pay them off....