DISCOVER CARD DISCOVER IT CARD DISCOVER Discover Financial Services LAWSUIT HUNGRY and ABUSE Carol Stream Illinois

Amazing how you didn't seem to complain when they provided you with a Credit Limit high enough to charge up a balance of over $8,000. You only have a problem with them now that they actually want you to pay it back.

Oh yes, all of your other creditors are so helpful and "working with you", and only if this ONE company would do what you wanted the clouds would part and your life would be perfect. Yes..we hear it all the time here. The interesting part is that every time we hear this it is always a different company.

As they say "Devil is in the Details". If this is one of your debts for $8,300 what do your other debts look like Do you owe less with them? MORE? How much are you paying them a month?

I am not going to get into your Debt Management program, but hopefully it is legitimate as many of those programs are nothing but scams and prey on desparate people, getting them in deeper trouble. By the way did your Debt Management program explain to you that any "Settlement" for less than you actually owe, is considered unearned income by the IRS?

So that $5100 difference you say they agreed upon, is now an additional $5100 you have to pay taxes on to the IRS on. If you have 3-4 Credit Cards with similar settlements you would be looking at an additional $20,000+ in additional underned Income that depending on your tax bracket could be a few thousand dollars.  If you thought the Interest was bad with the Credit Cards, just wait until you get to the Penalties and Interest the IRS will throw at you.

But anyways, let's look at this agreement. If you have a written agreement, AND you have followed that agreement then all you need to do is go to court and show your proof of the agreement and proof that you have held up your end. If you do the judge will probably throw the suit out and just require you to follow the same agreement. Now, of course if you actually didn't have an agreement, or if you didn't follow it(such as you were late or failed to make the payments as agreed) then that will come out in court also...

One other thing is certain.  If you go into court with this attitude, all that is going to get you is a 30 minute lecture from the judge that would make these comments look like a G-Rated movie.

And when I left my last job I used my savings to pay my bills! Now I am paying my debts down with my paychecks and I never spent more that I could afford unlike you did. No sympathy so grow up and get a JOB! They are not abusing any AMERICANS - they offered you credit and you abused that credit! Stop with the pity pot!

 It was YOU who ran up the balance and it was YOU who refused to pay and they are "abusing" you??? You make decent people want to throw up!