Okay, due to the economy downfall and not being able to find a job, I had two credit cards that were written off. I have posted on this site before and I need some assistance badly.
One of my accounts was a Capital One account. I went through two collection agencies and my account eventually landed in the hands of Fredrick J. Hanna & Associates. The thing is, I bring in 700 dollars a month if I'm lucky. I'm a substitute teacher. To top it off, school just let out for the summer so now I'm not living off of anything but school loans.