How do I negotiate a new payment arrangement with my credit card company?

A couple years ago, I had to close my credit card account and worked out a repayment plan with them. Circumstances have changed where I have changed jobs and now am not making as much as I used to. I can’t afford to keep paying the arranged repayment amount yet the credit card company refuses to work with me on it. I have been current with the repayment plan, bringing my balance down almost in half already, and haven’t missed any of the past payments. I called to see if they can make a new arrangement with a lower repayment amount but every rep I spoke to said it was not possible. How do I handle this situation without having to use a debt management company?

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