THE UNQUALIFIED FILES
CREDITOR HARDSHIP CALL SHEET

Before the call
- Account name:
- Last 4 digits:
- Current balance:
- Minimum payment:
- Amount I can realistically afford:
- What changed in my finances:
- What outcome I am asking for:

Ask
1. What hardship programs are available on this account?
2. What would the payment be?
3. Does the interest rate change?
4. How long does the program last?
5. Will the account be closed or restricted?
6. What happens when the program ends?
7. Is there a department that reviews long-term hardship or written documentation?
8. Where do I send documents?
9. How will I know they were received?

Write down
- Date and time:
- Representative name / ID:
- Reference number:
- Exact offer:
- Deadline:
- Documents requested:
- Where to send them:
- Follow-up date:

Do not agree to a payment you already know you cannot maintain.
Ask for final terms in writing.