I am new to this and just discovered the site. I need help. I am a 22 year old college student who went away on a Travel afar education program for three months. Before I left, I made plans for my guardians to make my Cross Country Bank payments. To make a long story short; the payments were never received and I got behind. When I tried to contact Cross Country Bank to make my payment arrangements, they had tacked on late fees, over-the limit charges, and interest. My original credit limit was only 900.00. The wanted me to make a large one time payment of 360.00. I explained to them that this was too much for me to pay at one time. At any rate, the matter went on and on and before you knew it, they turned me over to a credit agency who called continuosly and would not work with me. I am a college student and cannot afford to make large payments. Here is the good part!!' Today, I got a message from an attorney. When I called her, she told me that CCB had retained them to go after me. My bill is now 1200.00 and CCB wants the money. The attorney said that if I did not set up a payment plan with her to get it resolved, they were going to take the matter to court and then I would have to pay another 1200 or so fee for them prosecuting me. I told the attorney that I wanted to pay the bill all along but I can not afford to make a one-time large payment. She pressed and pressed and told me that they will put a lien on my car, (which is not paid off yet) and/or garnish my wages ( @ 40% a month) until the balance is paid. I told her again that I cannot afford to make a large one-time payment. She told me that I needed to borrow it or something. At any rate, the attorney got so frustrated with me that she flew off the handle and yelled and said they would see me in court!! She hung the phone up in my face. All this for 1200.00, most of which are fees of CCB! Can they take my car? I don't know what to do or what is going to happen. Someone please respond to me. You guys sound like you have experience. Thanks a lot!!!