Just thought I'd check in and share where I'm at in the process. I'm about to go 150 days late with 20K 1 card Bofa and 60 days with 4 other Bofa cards 49K. I speak with them once a week and they always are polite plus they messages with actual names and extensions to call. Discover is easy to get rid of I speak with them once a week about to 105 days on 8K. Citi is also manageable 8K about to be 150 days. Just defaulted on my Home Depot they call a lot haven't spoke with them yet. Amex is a pain in the ass 60 days late, I spent 15 minutes getting bumped all the way up the ladder. They threatened to garnish my wages take my house..blah blah blah. Started out demanding $1600 finished begging for $100. The best was all the commotion in the background. I'm not the only one in this boat. Best of luck to everyone on their journey.
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