About 2 years ago, my husband and I both lost our jobs. We went from 6 figure income to nothing. We had savings and used our 401k just to keep our house and keep up on the bills. We are both working again but making about $25k less than we were. We sold everything we could to keep up on the bills but have fallen behind on the one credit card bill with Citibank. About a year ago we got a letter saying they could lower the interest and therefor lower the payments but when I called they said we did not qualify for that program and nothing else.