1. Medical Hardship Rules
2. Hardship Program Medical Collections Program

Find Discover Card hardship programs. Read examples of how you can get help and assistance with your credit card debt from Discover.

Meet with a financial advisor. To get more help with your finances, go to a local bank and talk about your finances with a professional. Usually, a financial advisor can point out areas in your spending that you could improve on, and give you some ideas for saving money. At your meeting, you can expect to ask most of the questions and control the direction of the conversation.

Medical Hardship Rules

Hardship Program Medical Collections Program

• If you have an account at a certain bank, you can just walk in to any branch of that bank and ask to speak to a financial advisor. If you do not have a bank account, you can still talk to a financial advisor at any bank for free. However, the financial advisor may try to convince you that you should open an account with that bank.
• To prepare to meet with a financial advisor, write down a list of your monthly income and expenses, and think about your financial goals. For example, do you want to save more money for a large purchase, or do you need to make sure that you can afford your existing expenses.
• The financial advisor might encourage you to use services offered by the particular bank you are at such as checking or savings accounts, loans, or credit cards. Do not feel pressured to open an account or register for a credit card immediately. Offers will always be in place for longer than one day, so you can take as much time as you need to consider whether the service is right for you.