- Oct 27, 2000
- 9,951
- 570
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I am sure some of you either work in this area or have had this problem before. I was unemployed for about a year and fell severly behind in my loan/credit card payments. I found a job about 4 months ago and have gotten most my payments under control, tho it has been hard. 2 of my credit cards have been paid up to date and gotten them below their limit which makes them alot easier to deal with, and thoose are under control, my car loan and educational loan are about 2 months behind but Ive worked out payment plans with them and will be caught up within a few months. However my best buy credit card got sent to a collection agency, the problem was they wanted a large down payment which I could not make. During this time Best Buy was still charing me $54 a month for late fees and over the limit fees even tho they were would not accept a montly payment, I could only deal with the collection agency. Since then about $600 in just fees and intrest has added up... Now a company in my home state has purchased my account and is coming after me, threating to sue, which from what I understand since their in my state they can take me to court. The problem is they want alot of money and fast, like $500 a month, which is FAR beyond my reach, I can barely pay my current bills without this problem, I have already moved back into my parents house to cut off rent payments.
If anyone can please give me advice on who to talk to or what to do about this situation Id appreciate it soooooo much. Im really in a bind here and dont know what to do. They want the money now and its money I just dont have.
If anyone can please give me advice on who to talk to or what to do about this situation Id appreciate it soooooo much. Im really in a bind here and dont know what to do. They want the money now and its money I just dont have.