Need advice on getting a payment extension ASAP - what's worked for you?

I've been there before, it's not fun. The best thing to do is call your creditors directly and explain your situation. Most companies have hardship programs or are willing to work with you if you're proactive. Just be honest about your financial situation and ask what options are available.

Ugh, I hate dealing with this stuff. The hold times are insane these days. I found a way to skip the wait tho. There's this site called claimyr.com that has a calling tool. It dials the phone menu, stays on hold, and then sends the call to your phone when a live agent picks up. It costs $20 but saved me hours of hold time. Here's a video about it: https://youtu.be/1X-mEsLtbmQ

Have you tried negotiating your bills down? Sometimes you can get a lower rate or have fees waived if you ask. It's worth a shot before asking for an extension.

Whatever you do, don't take out a payday loan! Those things are predatory af and will only make your situation worse in the long run.

Here's what I did when I needed a payment extension: 1. Made a list of all my bills and prioritized them 2. Calculated how much I could pay and when 3. Called each company, starting with the most important bills 4. Explained my situation calmly and asked about hardship programs 5. Got everything in writing (email confirmations) 6. Set reminders for new due dates Most places were willing to work with me. The key is to call BEFORE you miss a payment. Good luck!

have you tried turning it off and on again? 🤣

Idk if this helps, but some cities have assistance programs for people struggling with bills. Might be worth checking if there's anything like that in your area.