What is the name of your state? New York
Im having a issue with sears credit card which was taken over by citigroup, I would pay my bill on time then the next months bill would give me a late charge with a different due date on it for the previous month (ie bill says Due July 1 i pay it june 30 in store next months bill says im got late charge and finance charges cause i didnt pay by due date of june 5th.) Bill was $400 now its $907 they ignored sending me notices for a few months. When it first went to collections I explained this to the firm also explaining Im UNEMPLOYED since Oct and have no income to pay anything and i wanted this investigated cause its bogus. Now its gone thru 4 collection agencies who refuse to investigate it finally a law firm contacted me demanding payment i explained all this along with how im still unemployed looking for work they told me they would settle for $486 if i could borrow the money or they will take me to court- I begged family to borrow $50 a month called the law firm told the guy this is all i can afford i begged it from someone on disability and can only pay it monthly - law firm collector told me thats not good enough they can not settle for the $486 for $50 a month it had to be in full and the company wanted there money so i am told i have to pay the $907 and theyll see what happens
CAN they do this what can i do? im taking food out of peoples mouths to pay a bogus bill and when i requested copies of my prior bill i was denied it.
Im in NY
Im having a issue with sears credit card which was taken over by citigroup, I would pay my bill on time then the next months bill would give me a late charge with a different due date on it for the previous month (ie bill says Due July 1 i pay it june 30 in store next months bill says im got late charge and finance charges cause i didnt pay by due date of june 5th.) Bill was $400 now its $907 they ignored sending me notices for a few months. When it first went to collections I explained this to the firm also explaining Im UNEMPLOYED since Oct and have no income to pay anything and i wanted this investigated cause its bogus. Now its gone thru 4 collection agencies who refuse to investigate it finally a law firm contacted me demanding payment i explained all this along with how im still unemployed looking for work they told me they would settle for $486 if i could borrow the money or they will take me to court- I begged family to borrow $50 a month called the law firm told the guy this is all i can afford i begged it from someone on disability and can only pay it monthly - law firm collector told me thats not good enough they can not settle for the $486 for $50 a month it had to be in full and the company wanted there money so i am told i have to pay the $907 and theyll see what happens
CAN they do this what can i do? im taking food out of peoples mouths to pay a bogus bill and when i requested copies of my prior bill i was denied it.
Im in NY