Your creditors are not required to negotiate with you, even if you have suffered substantial hardship. If they have made requests, then your options are to either provide those answers, or refuse to work with them any further.
If you are permanently disabled, with your sole income as SSDI, and you have no significant assets, then you may be collection-proof; that is, they may be able to get a judgment against you, but never actually collect from you. In that case, if they will not assist you you may not even want to bother continuing to work with them. You may also want to consider filing bankruptcy.
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Unfortunately there is no requirement that the banks work with you on payment arrangements. You might want to consult with a bankruptcy attorney to see if that would be a good solution for you.
The information provided herein is general information only and not legal advice. The information provided herein does not create an attorney client relationship and is not a substitute for having a consultation with an attorney. It is important to have a consultation with an attorney as the information provided in this forum is limited and cannot possibly cover all potential issues in a given situation.
My advice is to seek counsel for bankruptcy. Since the creditors are under no obligation to work with you, they will likely file for judgments in the upcoming months. Since your only income in SSI, they cannot garnish and keep the funds, but it may be up to you to bring that fact to the Court's attention. I would get ahead of the problem by possibly filing a Chapter 7, before it comes to one or multiple pending garnishments.