because of looseing my job last month is their any way i can skip a payment or pay a partial payment
until january 26 of 2010
In most cases I would have to say no but depending on what payments you are talking about financial firms may be willing to work with you until you can get on your feet.There will probably be additional fees imposed on you and will cost more in the long run
If you are not going to talk to them make a partial payment at least that shows faith that you are trying but you will still get charged a late fee as the whole amount has not been paid. The card companies have been very good and may set you up with a hardship agreement for a while if you find you cannot meet payments but you would need to talk to them. A hardhsip agreement does (I think) affect your credit rating though. There are free financial advisers you can talk to who can help you through a rough time if you find ongoing problems
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