I have some physical disabilities from birth. I worked for a company for 33 years. But i had to quit my job due to health reasons because of my disabilities and i am on the DSP. I have some credit card debt on on three credit cards. The providers put me on the hardship program and lowered the payment amounts. However i am still struggling with day to day living expenses and bills. Can i ask the providers to lower the payments further? I also want to pay out two cards using financial hardship from my super. I would like to know how i should negotiate on a payout figure as i believe you can negotiate with them and you don't have to pay the total amount. The two cards are $7000 and $4000 Any advice will be most helpful. I have also tried some of those companies that negotiate with the providers on your behalf but i don't qualify as i am unemployed.