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  1. #1
    Join Date
    Nov 2010
    Posts
    1

    Default Credit Card Payments

    My question involves collection proceedings in the State of: Florida
    I have a hard ship at some point, I started using a credit card to pay my mortgage, then I could not pay either or, I keep sending payments to all my CC, with Bank of America, a very large one the interes rate promotion went up and I could not continue sending the full minimun Payment, I started sendind less than the minimun, after 3 months I have a phone call, I explain what is happening and ask them if I can be put on any payment plan, they told me that I have to be upto date on the payment to do this, but I continue sending small payments, after 6 months I have and other phone call to offer me to settle the debt for $.30c per dollar, but i still have to came up with $7000,00 to get this done, and I could not, a moth later I have a call from NorthStar Collection agency, this person was rude and told me that I better get a lawyer, or paid the account in full,he started lugfing, and told me to be prepare to loose everhing that I have, now everyone of my neighbors have recive a call from this agency that they are trying to contact me for a collection with Bank of America, they do have my number and I always talk to them BOA and the Northstar Agency, I dont understand what is going to happen, why call my neighbors and dont try to make a payments arregments with me?

  2. #2
    Join Date
    Aug 2010
    Posts
    4

    Default Re: Credit Card Payments

    they are just trying to put the squeeze on you anyway they can.although you obviously do owe the debt.send them a certified return receipt letter and tell them to cease and desist in contacting you or your neighbors.if they do not stop after that.report them to the attorney general of your state for violation of the fair debt collection act.

  3. #3
    Join Date
    Apr 2007
    Location
    Il.(near StL,Mo.)
    Posts
    5,252

    Default Re: Credit Card Payments

    Just to be clear, even if they stop calling you, they may still end up suing you for the debt.

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