Chase does not perform credit counseling in house. However, they work with various nonprofit organizations that offer concessions such as lower interest rates and lower payments. In most cases, clients combine their chase credit cards with other credit cards to pay off all their debt at the same time.

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 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 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.

There is no documented information about a Debt Relief Program thru Chase.  However, they do offer internal hardship program and work with credit counseling agencies to lower your interest rate and payments.