Basically, I am only asking for a couple of months, no penalties and hopefully little or no interest. Or, pay only the interest amount leaving the balance, and no penalties. A few have already done this agreement with me. Also notation that IF there is a delay in going back to work over the next year, due to prognosis or surgery, we reviisit the agreement in Nov or Dec and move on from there. The agreement also freezes the account, not closing it. I can't use it. Just pay on it.
The two refusals, thus far, is my local bank. But.... they may change their tune in 15 days. So I really don't want to get in a pissing match with a small local bank. Personally, I think if I go in and chat with them, I may get a tad further than I did over the phone. We had a pleasant conversation, just no resolve since they are not a large bank experiencing more default like the bigger guys are in this economy. Some of the smaller banks just have not really set up hardship type plans. They offer more of an insurance policy you can take out on your self. However, I had to cancel those policies as there were just biting too hard into my bottom line.
We were already just barely getting by. Work barely trickling in.. 30 percent loss of work easy. Approaching 50 percent.
Now almost 0.
I still make a passive income, but that aint going to cover the bills.
nosweatshakespeare.com
