hi. i am in buffalo, ny. i am beside myself with worry. bank of america has threatened to take legal action for my inability to pay back my credit card bills. i was doing well with this until some months ago. i cannot afford to pay minimum payments and this is why i went into default. now they have closed my acct and are threatening to sue. i don't know what to do. nothing like this has ever happened to me before. i keep doing research on this online but everything i read sounds worse and worse. i am so scared. i owe 50k due to finance charges and late fees. i do intend to pay it back but i just cannot afford to right now. i stopped taking their calls out of fear. i don't know what to do.

