[tomhere]

While ill (bipolar) I ran up a credit card debt between 7 to 8 thousand dollars. I am on Social Security Disability, have no asets except a 10 year old van. The credit card company is looking for debt payment. I can't afford payments. They keep adding late fees and interest. I mailed them a letter explaining my situation. It is very upsetting. I was never able to hold a full time job. What solutions do I have?

[Birmo0803]

I have a similar problem over here in the uk. I got help from a forum (based in uk) not sure if you have a dedicated .com version or similar. But ask about on there they are very helpful. As far as I am aware, over here if you dispute your CC they cannot add interest/late fees. Try searching for a consumer forum in the states, they will help you out with 95% of the problem

The Consumer Forums

Not sure if the link is allowed or not.

Rob

[ScottGem]

Inability to pay is not a defense. Not sure if you are trying to say you were mentally incompetent to make those charges, but I doubt if that will fly either.

Bottomline thjough is that you are essentially judgement proof. So the credit cards may try to get a judgement against you, but if your only income is from exempt sources, then the won't be able to collect.

[12469]

JUST don't pay them anything after you wrote your letter or send them 25 dollars a month as they cannot do anything to you except call you up all the time or send them zero. Your credit will be ruined and a couple years later you will be sent credit cards again. I went to a financial counselor and this is what I learned.