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Even if it's a few dollars you can affor on every bill (try to pay the minimum payment) do it or they will keep coming after you for as long as it takes. If you don't make some effort to contact the Credit Card Co., and try to work out your payments you could well end up in court. When you have a Credit Card you are borrowing money and if you are a responsible individual then you'd try your hardest to pay your debt off and then cut-up your credit card(s). I learned a long time ago that if you can't afford to pay cash for something then you shouldn't get it! * In the US the debtor will continue to receive billing statements until the account is charged off. The account then will be considered in collections and the debtor will be faced with collection procedures either from a contracted collector of the original creditor or an third party collector who purchased the account. All penalties and interest fees will continue to accrue as long as the account remains unpaid in full or settled by agreement. The original creditor or a third party purchaser have the option of filing a civil suit or in some cases filing with the National Arbitration board to collect the debt.

2006-08-10 09:31:51
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