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In fact, before applying for anything at all, you should have at least one cohesive completed body of work (preferably more) that you can clearly describe and tie in to whatever form of assistance you're looking for.
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– Mandatory arbitration and other contract provisions limiting consumer access to justice should be banned.
Financial experts suggest that it is still better to have savings put away for emergencies, and, if this is not an option, ask your bank for a temporary overdraft extension.
You begged them to give you more time.
Generally, settlement becomes an option after years of non-payment.
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If you are going into greater amounts of debt every month, than you need to figure out where your money is going, and how to cut it back.
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