Does it make sense to you?

I can so understand this topic hun. It never ceases to amaze me why they make phone calls to me demanding money when they know just by looking at their records that I don't have the money right now. At the moment I am trying to sort out my problems, and have told them they will have to accept the minimum payment for now. Technically they cannot refuse that payment.

Try explaining to them about losing your job, and try to give them at least $5 or $10 per month if they will accept that. Some will work with you if you try to work it out, but I know that many will not work with you at all. I wish you luck. Just remember that the worst thing you can do is ignore them. I have a friend who had her checking account frozen because of a credit card debt that she continued to ignore because she couldn't pay it after she lost her job. That made her checks for her mortgage and car payments get returned because her account had been frozen.

I never could figure that out either! We just quite answering our phone. I know it sounds bad but call ID is a great thing. Sometimes it would get so bad we would turn our ringer off because they would call on a Sunday morning. Then we just paid what we could,when we could.

I my experience, i've met creditors who are finding it difficult to meet their own debts,...so that's why they keep own nagging you...the best way is to negotiate with them and tell them the truth...ask them for some time and try to make payment in installments if possible..this way both parties will be happy

when one applies for the card, they did that on purpose. it means that you know you have your obligations. when times are good, you spend a lot on your credit card as if it has a boundless money on it. it does if you know how to pay for it. creditors will demand payment bec they financed your purchase it to you. but they are programs available in order that you can bring balance lower. monthly payments, settlements. the best pay 2 to 3 times the amount due or pay what you got.