Hello All... My story in a quick nutshell...I lost my job about 4 years ago, and have since returned to school to get an advanced degree. It will take me about 3 more years to complete my degree, and I am living off student loans, scholarships and seasonal summer jobs. I have no house, a car payment and 4 unsecured credit cards. 3 of the credit cards have such small minumum payments that I can keep up with them with no problem. Wachocia has been a big problem...my account with them totally approx. $4900 was suppossed to have charged off a week ago. I explained that i had about $1300. that I could scrape together as a payment, but they said hit the road. Do you think they will sue? Should I do anything? I want to get this account settled. If it goes to a collector and/or legal action, do you think they wil accept the 1300-1500 dollars that I can scrape together to pay them? Also, even though i sent them a letter and told them not to contact me except via the mail they still occasionally called..i have documeted these times. ANy advice or suggestions?
Yes. Go to the Carreon and Associates website at www.carreonandassociates.com. While you're there, STUDY. You'll find some good, practical advice on dealing with such situations. I wish you the best.
