Even before the pandemic, we were at a record level of consumer debt. Americans owe a trillion dollars collectively on credit cards and students loans and most families have little or no cash reserve. With the pandemic job losses and shutdowns, this is an added level of stress on families. Banks and credit cards are moving now to help consumers with relief programs. Citi is increasing spending limits for some credit card holders, JP Morgan is delaying due dates for some borrowers on credit cards and loans and other banks are offering temporary programs to help customers during the pandemic. These will not only vary from lender to lender but also person to person. Below is our segment on what you need to know to negotiate with your credit card company or mortgage lender and potential options you could suggest to those companies.