Emerge Mastercard ripoff Atlanta Georgia

I had Aira Visa since 99 later they became Getsmart and Providen both did provide good communcations and even a new card with Getsmart. Then about 2 years ago I read online that they were merging or something and becoming this new mastercard company. About 2 weeks later I got a letter from Getsmart telling me the same and giving me a choise of closing my account or keeping the account and having my interest rate increased from 17% to 29.99% I picked to have it closed.

I didn't hear anything for a year then I got a call from this collection agent saying since I didn't pay on my account for a year it was sent to them to collect and that I had to pay them at least $150 a month or be sued and have my wages garnesed. I asked them how was I suppose to send them payments without an address or statement. They said they didnt' care they just wanted their $150 a month or else. I don't know what to do and that can't be fair or right what the company did to everyone. I feel I didn't deserve to put in collections for their mistake.

Charles
Baltimore, Maryland
U.S.A.