Being sued by credit card co. who also harassed me
My husband is received a summons for a pretrial mediation on a credit card debt. Basically I have always taken care off the accounts. A year ago I was diagnosed with Lupus, I also am on medication for extreme anxiety and HBP. I was not told that Lupus affects your state off mind. But I declined into a deep depression, I was not aware off what was happening to me, only that I am not the same. There were and are days, I know I must get up and do things, but I simply cannot. This caused me to be late on our bills, all have always been paid but, this card from Household bank he is being sued. They raised the price, double it with fees. I spoke to them many times before this, I was sent to a collection agency and still being billed by Household, then an attorney and still being billed by Household. Household told me to send them the payment, not the collection agency and the same with the attorney. The Collection agency and the Attorney told me to call Household and find out, who they wanted me to send payment too. I continued making payments, until this October. I did not receive a bill, and because my husband has two other accounts with them, and due to my condition if I did not see the bill I simply did not remember it. I/we do not dispute the bill, I tried to make arrangements with Household they will not speak to me. In addition this is the same company that would call me up to 8 times a day, I wrote letters, I asked to be contacted by mail, but it continued till I changed my number. They also never sent me any notice after the first attorney letter in June 08, or a notice off funds received by attorney on my bill, which they said they just sent out, but not for September. That would have been a red flag to me, that I missed! Something. I am told by the attorney to make them an offer, and that Household will decide whether to take it or not. At this point I live in Florida, we own a home, a car not yet paid for and a motorcycle my husbands transportation to work, also not yet paid for. We do not live extravangantly, paycheck to paycheck. I also take care off my mother, we both are on Social Security disability. I pay for many off my mothers needed things, meds, etc. that sometimes are not covered by insurance. I am sick over this, in no way did I intend to have this occur. I was late yes, but I still paid and the full amount. If I missed one month I would pay it the next, the month off May threw me off. My mothers mother passed away in Texas, we had to take a last minute flight over $1,000, this was from money for bills. I let everyone know, because in addition when I arrived there was no insurance, out off 12 cousins I was the one since the eldest who ended up paying for her burial. The county helped me, but there were things, like bathing and dressing her, and other things that I had to pay, the only paid for her coffin and plot and then I also had food and lodging.
I cannot let my husband have a judgement on his record, because he trusted me and I simply am at fault. I never meant to be late, but I just did not realize with all the meds how one day turned into another, and I would put things off. Sometimes I would stay in bed for days, knowing that I needed to get up and take care off my responsibilities. I need help please, many off you may think badly off me and not understand. But with the pain from Lupus, constantly seeing specialists, having reactions to meds prescribed and now being told I need to go to the Mayo Clinic in Minn. For a full workup off tests; like I can even afford that. Please help please try to understand I am so ashamed to have to be like this and to let my husband down and possibly lose things we both worked hard for, well mostly him. I did work hard till three years ago and then I lost it all. Thank you
