Hardship Program

It would be better for you to go for a credit card consolidation program. This will help you to replace your multiple credit card bills into a single monthly payment and lower your interest rate. Check out this URL:
http://www.debtconsolidationcare.com/credit-card.html#consolidation

I would not consolidate those. I would do a 1-2-3 strategy of paying them off since the balances are so low. Start with the credit one and pay as much as you can to it, i.e. over the minimum. Let the others fester while you pay off Credit one. Then move to the other 300 balance card and do the same. By the time you can get to the 700 balance one it will have been over 90 days and some kind of settlement would be available.

I was wrong about the amounts. The credit one is actually 600.00 and the others are correct. I contacted Credit One and asked for a hardship plan but they said they did not offer that. They were very rude and told me to borrow the money from someone. I bet they called me 5 times after that. I told them I could send them a payment on the 15th. I'm just now getting things on the straight with PDL's and now I got this to deal with. The PDL's wont hurt my credit but the cc's will. I guess I could call Orchard and First Premier and see what they can offer as far as a hardship plan.

:?:

Orchard bank is the only legitimate company. The other 2 are subprime loan shark CC companies.

So what is your suggestion Waffles? Let the credit one ride and wait for the collection process and try for a better deal? What about First Premier? I'm going to keep paying the Orchard as it is only 300.00 and I can get that gone pretty quick if I pay more than the min.

Orchard may offer you a plan; ask them for one or ask for reduced interest/late fee/annual fee whatever they have hit you with.

As for the others, I'd let it sit while you take care of orchard.