I'm confused. I owed Sears-Sears Gold Mastercard some money. I got behind on payments because I was having marital difficulties. They have charged off my account. Just recently I received a letter in the mail stating LVNV Funding, LLC has purchased my account and they have placed this account in this agency for collection. I called them on Tues. Jan. 20 and asked them how much I owe. Mr. Haynes said it was $2,977.97 but would settle for $2,500. So I made a post-dated check for the 30th and I told him I would try to get the money but would not garantee it. He said that if I couldn't get the money to go ahead and call him back and tell them not cash the check. I stopped the check on Jan. 29. On Wednesday, Jan. 21 I received another letters saying the settlement was for $1,340.09. I don't have this money now. I asked them to put me on a monthly payment plan. They refused. What can I do? Please help.
Nenas