I was able to enroll in the Chase credit card "Balance Liquidation Program". This closed my account and gave me a fixed monthly payment. The balance is to be paid off at 2% interest over a 5 year period. This is a hardship program based on certain life events (divorce, death of spouse... I don't have the full list, if anyone does please give it.)

Please note the Chase program I have has nothing to do with their "Payment Protector Plan" which is an option you pay for enrollment in that lets you defer payments for various reasons.

The type of hardship program I was able to get with Chase seems to be a well kept secret. A Google search turns up almost nothing about it's existence as of the date of this post.

Does anyone know if Bank of America has a similar program? I know I can call and ask them directly but I would like to know the name of the program and the terms and qualifications before I call.

For the benefit of others please post any information you have for the other major credit card companies as well.
Thanks!