She warns, though, that it might take a while to get through to someone. “Credit card companies and lenders are likely experiencing an influx of people contacting them for payment assistance, so they might be very overwhelmed,” she says. “One thing I remember from the 2008 crash was how the bank's infrastructure couldn’t handle the influx of foreclosures. In other words, customers got information from one person at the bank that conflicted with the next bank rep that they spoke with. Right now banks are also probably hiring a lot of new people to deal with the new programs and the general uptick in demand, so make sure to trust but verify, and document everything by keeping a record of your correspondence — just in case.”