“CC Hardship Programs?”

Fell down a rabbit hole via social media / reddit / online forums and discovered the concept of financial hardship programs to help pay down credit card debt. Why am I just finding out about this? Am I the only one who never knew this was an option? & if you’ve used a program like this, could you tell me about your experience?

I have 2 maxed out credit cards with high interest rates (21% and 22%-29%), and for at least a year, I’d resigned myself to never making any progress on them. I could bar