divorce with $2000 debt unable to pay

Hello Lisa,
Welcome to the forums.

Quote:

what happens if you owe credit card debt and it has gotten two years behind and they want it all but you can't pay?

I think, you should consider negotiating your debts with your creditor. Since, you are already late on your payments by two years, you should think of how you can get rid off the debts quickly.

While trying to negotiate, you may follow these few simple steps:

1. Get in touch with your creditor over the phone or by sending a letter or fax.

The credit card will have a toll free number. You can call that up to get in touch with the company. Otherwise, you may look up some of the previous statements.

You may even call the toll free number 1 800 555 1212 to get any contact information.

2. During a telephonic conversation with a company's customer care representative, do not lose temper. Try to keep your conversation as simple and straightforward as possible.

3. When you talk to a customer care representative, first ask for your account status.

4. Next, you should ask the representative, if his company will be interested in considering an offer to settle the account. If the answer is yes, you may suggest an amount or a repayment plan.

This site has provided some specific guidelines that you may follow, while negotiating your debts:

http://www.debtconsolidationcare.com/negotiation-tips.html

You can also avail the free services of this site, by registering yourself as a member. You can do so by filling up the signup form.

Hope this information helps you.
Feel free to come back if you have any further queries.

Regards,
Peter :)