Target Target National BankTD USA Target Credit Card Scam Nationwide

Thank you so much for your reply. I did not know that about Disability. Thank you. I am greatful for your help. Have a great week! Take care!!

First off, I would like to say I was looking for help, guidance, or support......not a bashing! 

I take full responsibility for opening the account. I never asked for the amount I charged to be dissolved. Only to be able to pay the amount I charged and not double or triple that amount. I am not a dead beat craditor. With the exception of those 3 months, I have been a long time customer of Target and Target Bank and have always paid the minimum amount due, if not more, every single month. Never being late. 

Since the agreement between Target and myself, some 2 years ago, I have made every payment on time. So why should they take me to court some two years later? Makes no sense. And why should I pay for two years on time, just to be told that what I have paid is no good.....because my loan was sold to another bank? 

I have not charged a single cent to this card in over two years. I have paid on time. So why do I have to pay to dispute this in court? 

You say that I am at fault? How can that be? I have paid more than the minimum due for two years, on time. I have been a good customer and good payer on the account. I don't understand your bashing, Mr Robert. At all! I am a good citisen that happened to have a very unexpected accident a few years ago. But instead of being a dead beat, I owned up and tried to catch up on my bills, despite being deemed 100% permanently disabled.

But I can NOT afford to keep paying this $2,500 debt over and over again. I need to pay the $2,500 I owe ONCE. That's it. Just once! Why should I be asked to pay the entire amount over and over again, just because I can not afford to pay for court? Seems pretty silly to me.

And your bashing did NOT help the matter any. I am currently trying to sell things so that I might be able to file the court fees for the complaint against them. But thank you enough for caring to bash me.

 I personally think it is a big scam being put on by Target. I mean really I have paid for two years on time and they show gratitude by ignoring the $1,400, take me to court,

- Oh yea..it's a scam that they spent years setting you up for this big fall.  It all started when they held you at gunpoint until you opened up the credit card.  They also had their "Gestapo" follow you every time you went to the store and at the register they forced you to  use the credit card.  They did ALL of this because they looked in their crystal ball and knew that at some point you would stop paying them.  Where they could just take you for $50 a month for a couple of years before they decide to finally sue you.

Yep, that is so much more logical than the truth.  A credit card is an account where they are allowing you to BORROW their money.  Under the agrement that you would make minimum payments every month to pay the balance off.  YOU(and the reason doesn't matter) failed to fullfill that agreement.  That is why you are in this situation now..not by any "scam" you think they are doing.

Is there anything that can be done about this?

Now let's get serious and out of this BS "passing of the buck" you are trying to pull off.  You need to go to court, I am not sure why the clerk told you that you had to pay $240 to defend yourself.  I think they may have mis-understood you and thought you wanted to file a case against them.  Personally I would look around and see if you can talk to a legal aid agency or find an attorney who would give you a free consultation to confirm the exact status.

Now, in court you can explain this exact same thing to the judge.  You can explain your current financial situation and if you act professionally and are sincere the judge MAY request that they work out a deal with you based on your situation.  It would also help if you could provide proof of these payments over the last couple of years.

If the disability payments are from Social Security, the only entity that can garnish them is the federal government. So if you have an account with ONLY disability pay in it, this company can not take it. HOWEVER, you need to alert your bank of the possibility of the garnishment. If they get it (and your account is only disability) they will return the documents to the court saying that the account can not be garnished. If you have other money being deposited into the account (part time job, annuity, etc) that amount of money can and will be garnished to fulfill the judgement. Either way, you need to realize that your bank will charge a fee (usually around $100) for processing the garnishment.

I'd suggest to go to court and take all your old statements showing the payments. If you have a hard copy of the agreement take it also. Show all of this to the judge and he/she may order payment amount that you can afford.

Another, more drastic option is to talk to a local lawyer about filing bankruptcy to take care of this and any other bills you have.

Good luck, Hope this helps.