1. What is the first thing I should do.
2. Should I give detailed information with supporting documents?
3. What should I say and what shouldn't I say?
4. What kind of supporting documentation will they ask me for?
5. What address/department should I send my first letter to the following credit cards?
I have a combined unsecured debt of approx. $118,000.
Citi - $30,516
American Express-$18,263
Chase Personal (visa)-$26,520
Chase Business (visa)-$24,119
Discover-$19,431
Details:
I'll be missing my first payment in August on all of the cards.