SOAPLADY I would like your opinion on this!

My wife and I currently have Bank of America cards in both our names that we cannot pay. I have had my income significantly reduced and my wife does not work due to medical reasons. One card is solely in my name and hers is in her name. I want to call Bank of America to see if I can apply for a hardship settlement of some kind. Both cards are current as of now but next month we will not be able to make them. Should we apply seperately for the hardships or have you ever heard of a case where they combine them? Any advise would be appreciated.