Home Depot does not perform credit counseling in-house. Citi works with various nonprofit credit counseling organizations. They offer concessions to these agencies' clients such as lower interest rates and lower payments. In most cases, clients combine their Home Depot credit cards with other credit cards to pay off all their debt.

Most credit card companies do not have a formal forgiveness program. In order for a creditor to forgive a portion of your debt, you would need to be severely delinquent. Usually more than 6 months behind. At that point, most creditors like Home Depot would be willing to receive a lump payment of 40-60% of the balance and forgive the remaining balance. However, the amount forgiven would typically be considered taxable income by the IRS.

Yes. Most credit card companies like Home Depot have a hardship program. Banks will temporarily lower your interest rate for about 6-12 months to help you get back on track. Sometimes, they may lower your payment as well. Your financial hardship must be compelling to merit the benefits. Reduced income and increased expenses are two examples of compelling hardships.

There is no documented information about a Debt Relief Program thru Home Depot or whether or not they will negotiate debt.  However, they do offer an internal hardship program. And Home Depot also works with credit counseling agencies to lower your interest rate and payments. Make sure these agencies are nonprofit.