As I'm new to this but feel I do have some inherent understanding of "due process" I'm hoping for advice or clarification. I feel that a credit card issuer, specificallt Discover Card in this instance, does not have the right to threaten the consumer with wage garnishments, home repossession, personal property acquisition or taking bank account funds as a means to force them to make payments that are not within their financial means. I ask this as I was told these threats by two different Discover Card employees in two days while attempting an arrangement to make payments my family can afford. It will help my cause with taking on Discover with a reply, either way, as I intend to take them head on with their abbhorent practices. Any insight will be greatly appreciated.
Well, without knowing the context in which those claims were made, it's hard to know if they were threatening you or just advising you of some of the possible options that could result if you let this go on too long. The sad fact is, if you don't make the payments you agreed to make when you signed the credit card agreement and then bought stuff with the card, they can take you to court and, if they win, they can then garnish your wages, seize money from your bank accounts, etc. All with the court's blessing. Whether they will actually take you to court and whether they will actually win if they did, is anyone's guess at this point. I guess I don't understand the "right to due process" being claimed here. You agreed to borrow money according to the terms set forth by Discover card and now, for whatever reason, you're not complying with your side of the agreement. They're now reminding you of this. What "due process" do you feel is missing? I don't mean to be a wise-guy because if you're having trouble making ends meet, that's the last thing you need to hear. I'm just trying to provide you with an idea of how it might look to the other side you're attempting to negotiate with. I'd suggest abandoning the "due process" and "rights" approach and try something else. Look around on this board as others have posted a variety of experiences dealing with Discover card that might give you some ideas.
