[Sigh2003]

I am being sued by a credit collection agency for a debt in Michigan. I just received a certified letter. I have been trying to work out a payment plan with them, but they keep countering with an amount that is 4-5 times what I can afford at this time. There is at least $1,000 in over the limit and finance charges that I feel I should not have to pay due to them lowering my limit multiple times, knowing I was going to be over the limit with the amount of debt I owe. What do I file to contest this? Any other helpful advice would be appreciated.

[Fr_Chuck]

There is nothing you can do, except to write them letters complaining.
They are allowed to change your credit limit for varoius reasons.

Also if they sue and get a judgement, and garnish your pay, consider how much money that will be, and then consider what you can or can't afford to pay.

[sunshine2747]

My bank account was recently garnished I called and they said to enter a payment plan of 180 per month what can I do if I feel like I can't afford that much

[sunshine2747]

My bank account was recently garnished I called and they said to enter a payment plan of 180 per month what can I do if I feel like I can't afford that much

I have been paying something all along