credit card debt

[quote=charlene]my 81 year old mother is receiving threatening letters from a credit card company that says they will bring her to court if she doesn't bring her credit card up to date. what started as a $6,000 bill years ago has grown over time to over $10,000 despite making attempts at paying this, sometimes not in full but at least trying. we have tried to ask for lower payments, which they would do for one month, but the next month would ask for that plus the difference. My mother lives soley on social security and does not own anything except her furniture; no car, no house, nothing. What should we do to notify the credit card company of this, so they will not harrass her. Her health is fragile, and she certainly does not need this harrassment. Thank you.[/quote]

Hi Charlene

Welcome to the forums. I am sad that your mother is undergoing through such pain in her old age. Please take strong action against such people because the debt collectors are restricted from harassing the people for recovering the debt as per the fdcpa law.

http://www.debtconsolidationcare.com/fdcpa.html

Please send a written letter to them stating that your mother will not be interested in entering into further communication with them except through mails. Once they receive your letter, they are required to stop using unfair methods.

Regarding your mother's debt, have you asked the collectors to validate the debt? They are required to produce each and every detail about the origin of the debt before you start making payment.

You can use the services of the debt consolidation program to stop your dealings with the collectors. The trained consultant will be dealing with your debts and negotiating with your collectors for a reduced amount. He will be able to reduce or eliminate the financial charges or the late fees accrued on the total debt. He will be offering you a payment plan which will be suitable to your present needs and your mother will be free from her past debts successfully.

To get involved in the debt consolidation program and take professional help, please register in the sign up page and utilize the benefits and services offered in the debt consolidation program.

http://www.debtconsolidationcare.com/signup/

Regards
Roxette