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I have 1 CC account that is about maybe 10 days late. Last month I was 2 days late and my interest rate went from 2.99 to 24.99, minimum payment went from 109 to 254. I can't make it. I have been to their website to apply for hardship, with no avail. I have e-mailed their collections department about it and have received no reply. Now my phone is ringing off the hook. I guess I will have to answer it sooner it later but right now I am wanting to send some sort of letter to them. Can some one suggest a letter?

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