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Just wondered if anyone has any experience with my "little" problem and can help me out. (Any lawyers in here?? )
Here's the scoop. Due to a lot of factors, I have been having financial difficulties since around January of this year. Because of this, I have been forced to prioritize my bills and have not been able to pay on several credit cards since then.
Wednesday of last week, I recieved a call from one of the credit card banks (I thought) that told me that my account was being sent to a lawyer the next day if I didn't pay. She went on to tell me how they would put a lien on my home, publish my name in the paper, maybe have someone come in and take my things, contact my other credit card companies and "tell on me"..blah blah. She had my credit report there and told me she sees I have a large amount of credit available on two other cards and suggests that I transfer the balance owed to them. I told her I wouldn't be able to make the minimum payment on them if I did that. She starts going over which cards I owe and telling me "Oh, this one won't take you to court" about a bunch of them, encouraging me to NOT pay THEM so I can make the payments if I transfer the balances to my other cards with the available credit. I was so stressed out about being taken to court that I was literally tricked into doing it! Right after I got off the phone with her, I made some calls and confirmed what I already knew....BIG MISTAKE! I then contacted the credit card companies where the transfers were made and attempted to stop the transactions...to no avail. I called both card companies several times since then and warned them that if they did NOT remove the transactions, I would not be able to pay them. It did no good. Anyway, today I recieved in the mail a notice from a collection agency signed by the woman I spoke with on the phone. I had believed the call to be from the credit card company itself but it wasn't. The notice stated that my account soon "may be forwarded to a law firm"....not was going to be tomorrow as she stated to me on the phone. Does anyone know anything about laws regarding this because it seems very WRONG to me. If I could afford a lawyer, I would be going to one right now. Hoping someone can advise me...even if it's stupid that I am posting this on a dog forum. Guess I am also venting too because I am very frustrated right now!
Pam
Here's the scoop. Due to a lot of factors, I have been having financial difficulties since around January of this year. Because of this, I have been forced to prioritize my bills and have not been able to pay on several credit cards since then.
Wednesday of last week, I recieved a call from one of the credit card banks (I thought) that told me that my account was being sent to a lawyer the next day if I didn't pay. She went on to tell me how they would put a lien on my home, publish my name in the paper, maybe have someone come in and take my things, contact my other credit card companies and "tell on me"..blah blah. She had my credit report there and told me she sees I have a large amount of credit available on two other cards and suggests that I transfer the balance owed to them. I told her I wouldn't be able to make the minimum payment on them if I did that. She starts going over which cards I owe and telling me "Oh, this one won't take you to court" about a bunch of them, encouraging me to NOT pay THEM so I can make the payments if I transfer the balances to my other cards with the available credit. I was so stressed out about being taken to court that I was literally tricked into doing it! Right after I got off the phone with her, I made some calls and confirmed what I already knew....BIG MISTAKE! I then contacted the credit card companies where the transfers were made and attempted to stop the transactions...to no avail. I called both card companies several times since then and warned them that if they did NOT remove the transactions, I would not be able to pay them. It did no good. Anyway, today I recieved in the mail a notice from a collection agency signed by the woman I spoke with on the phone. I had believed the call to be from the credit card company itself but it wasn't. The notice stated that my account soon "may be forwarded to a law firm"....not was going to be tomorrow as she stated to me on the phone. Does anyone know anything about laws regarding this because it seems very WRONG to me. If I could afford a lawyer, I would be going to one right now. Hoping someone can advise me...even if it's stupid that I am posting this on a dog forum. Guess I am also venting too because I am very frustrated right now!
Pam