pandora174

Thank you for your story. I am starting my long road. I pulled my CR & the horror. So I'm talking one account in collections at a time. I'm tired of changing my number & cringing at every voicemail. I was recently sued by Capital One & that was my wake up call after years of stupid decisions. Today I made a big step, called the Cap One attorney & agreed to a payment plan. In 3 months that account will be paid off ! Today I received a collection letter from Target offering 50 % to settle my debt. I did NOT throw it away. I put in my new folder. When I pay off Capital One I will pay the Target account. I think Wal-Mart is next because the attorney's office / collection atty told me they have that account but they can make payment arrangements when I am ready. So after Target I will tackle that next. I'm not going to be perfect. I hope some fall off my CR, I checked & some are supposed to fall off in 2011, 2012 & 2013. But your story makes me feel so much better. These last 2 years of feeling like I destroyed my family's financial future led me to a deep depression that I still take medication to stop the anxiety attacks. I feel like I'm not the only one who made some bad choices & there is a light at the end of the tunnel !

I live in FL. I knew this was eventually going to happen but the day has come & I am so nervous. I have not been served "yet". I checked my local county website & it shows I was sued by Capital One for an old credit card for $891. Now what do I do. I don't have that $ nor can I borrow it from anyone. There are alot of other creditors out there since I recently went through a seperation. I know FL does have wage garnishement & they can place a judgement against me. So again what do I do ?? I can't afford to hire an attorney. Once I get served what do I ? Sorry I keep asking that but I am a nervous wreck ! I am thinking that by the time I get to court "if" I can delay it for a few months I can save the $891 but are there court costs ? Please anyone help !!

I asked them to e-mail me in writing & guess what I never received anything. I think I just will wait it out. Also I did receive a letter from an attorney Zakheim & Associates ref Arrow Financial on behalf of WAMU a few days ago. I'm in Florida. What is a DV ? Pardon my ignorance. The letter says I have 30 days to dispute the validity of this debt & it's addressed to my husband. I think I was just got an extra card, not sure I was the co-applicant. Is there a letter I should send ? Thanks I feel better already. I haven't told my husband because I didn't want to upset him about the call.

Hi, My husband & I stopped paying our credit cards about 2 years ago due to an auto accident & he is disabled now.& I also have a special needs child. I just received a very polite call from Arrow Financial (877-375-7130 on behalf of Washington Mutual credit card. They are willing to do a payment plan. The card balance is about $2500 & they are willing to take $100 a month. I can afford that (barely) but they said if I don't do this they would litigate & file a judgement & garnish my wages. I asked them to send me the agreement in writing & only then would I provide my checking account info. They want a debit or checking account info. We were planning on saving $ & filing for bankruptcy in December but now I'm scared that they'll sue me & garnish my wages & my employer will know. What do you recommend I do ? I think I should just pay the $100 a month & then when we are ready to file for bankruptcy let the attorney deal with this. I'm so confused & scared right now. there are so many other creditors out there. Any suggestions ?