This all began about 4-5 years ago. I had a Providian credit card and I could not make my payments due to money probs.
Bal was about $2800. After several months I joined
a debt management program and had no problems with any creditor agreeing to payments except with Providian. They said my account been too long past due. Eventually they apparantly sold my account to Portfolio Recovery. They are a joke. I made arrangements to start payments of 100 a month with the interest stopped(the balance was up to $5300!!) I paid for about a year and had to ask to skip a month and they said ok.
Then in June, I was really struggling and called again to see if I could skip a month. Wow, you would have thought someone died. They would not let me unless I made a double pmt the next month which was impossible. I argued with the "supervisor" who did everything to make me feel worthless. The would garnish my wages, liens on my house etc. I told her I was behind on my utlities and house pmt and with 4 kids those were priority. She told me that THIS account was a priority. Im sorry but my kids eating comes first.
Needless to say, I said a few words and hung up. I called back 10 mins later and asked if i could make a partial pmt and she said no, I was already turned into "legal". Letter from legal came next with the same results- they would settle for less but what good does that do when I was having trouble with $100!! Again made me feel worthless! Next comes the letter from Javitch, Block and Rathbone!!
I called and left voice message. No retun call so I tried again today. Wow, am I a piece of s**t. If "he" was needing money he'd go to family or frinds etc etc etc. He had every trick in the book. He wanted $600 down and pmts!! I have never once said I wouldnt pay this but I can not pay more than the $100 amonth. It's the best I can do right Now. We have no health ins and a lot medications and medical we cant do without. I'm trying but it seems like the creditors won't try back.
DO I still send payments- will they really take me to court. I'm lost as to what to do!