The Law office of Thomas Landis Harrasing, Cryptic, Wrong info, not pleasant, fallacy, impossible to talk to Bensalem, Pennsylvania

I have credit card debt, I am highly aware of this. What can you expect when credit card companies give cards to people who make $5 an hour, 20 hours a week (and this was full time), and before taxes the gross annual income was $3500-$5000? Took the card and started paying tuition for college, gas to travel to said college (a 2 hour round trip commute up to 5 days a week) also to travel around to work and to another college that I was at prior to the university. Also used this card and another to pay for hospital expenses & car repairs, later on paid for things involved with a dance school I was accepted into (since the University's classes were far too expensive).

I was diligent for YEARS on paying my cards' minimums, then I was forced into unemployment for nearly a year due to a severe injury. I called both card companies who offered to differ payments until I could receive a check from Workman's Comp. Which was a WHOLE other world of scam artists since they would "forget" to pay me my small percentage of my (at this time $6 per hour, 15 - 20 hour per week) pay and "Ohhh you should already be better" even though it had been reported I had a condition that has NO current cure, just procedures that can pamper or mildly put the condition in remission. Then came a severe car wreck, that put me in a wheelchair & using a cane for 3 more months. Getting a job was impossible. The cards did NO such assistance, and my APR skyrocketed from 19% to 39 or 49% until I went back to working (for a different company). Then it came down a smidge.

Following the hospitalization, I was unable to work for a few months because of complications of pancreatitis & then my gall bladder was removed. At this point paying on the  cards were virtually impossible. My new used car died (yet another problem, another page to write on), and since the cards were still active and I had no money readily available in the bank. I started paying hospital bills and for car repairs on these cards.

Next thing I know I was calling a Debt Consolidation company I saw on tv, they claimed a specific and surprisingly small amount to pay per month for a chance to bring down and eliminate my debt entirely. Next thing I knew I got 4 more calls with higher and higher and higher amounts, to the point I would be paying them more than my hospital bills monthly payment, and both credit card's minimums combined. So I freaked out, called the company back and cancelled. Which they fought tooth and nail and threatened to garnish my bank account to make the first payment, then garnish again for the next month until allll the debt was paid off. I pulled my $200 out of the account faster than I could blink (they were planning to take out over $500!). I started a new account, and reported them to the BBB. They wrote me a "nastygram" back claiming me to be a whistleblower and a liar. I just forwarded that letter back to the BBB and havent ever heard from those Debt consolidators ever again.

Then I got a small loan, cosigned with my brother as this was the only viable option to me at the time. Paid off a few things having to do with the dance school. I have been pretty much on time in paying them this WHOLE time to date. And they sent me to a Debt Consolidation place in Jacksonville, FL. I went ther with $20 in hand, and all my bills. They told me my debt WAS NOT OLD ENOUGH OR NOT ENOUGH to do anything with. THey said that I had to STOP making all payments and let the debt s****.>