I hope everyone is doing ok! I have a legal question and I am wondering what I can do legally right now. I made a deal with a bankrupt union 2 years ago. Instead of reimbursing the entire amount on my credit cards they made a deal with the banks so I could pay a fraction of the portion spread out in 100$/month payments. I haven't paid since October because of what I know.... How do I explain to them my reasons. If I do not pay then my contract is void and I will need to pay back the banks the full amount. I would love to get your feedback on this. I have tried looking through the videos on A Warrior Calls but there's so many. Maybe someone here can help? God bless you all!