I had around 9k in credit card debt with Bank of America, got in over my head, they told me I qualified for something called a Hardship Program with FIA Card Services.
I had paid it down to less than $3000 and I lost my job, lost my apartment, I live in a car and catch work when I can. I have not been able to make a payment since April 2012. I got a collection letter in the mail from some psycho collection company saying I now owe roughly $3500.
Can someone advise me how I might go about getting FIA to settle with me ?