This is for my girlfriend
After going through a rough divorce where she left leaving everything to her husband she found herslef with no money and no job. Bills and debt quickly piled up and she owes 11,000 on credit card and to add insult was scammed through the internet when whe went to sell her ring for 2,500. She is looking for work but is not sure how she will even pay for the gas. She has many professional computer skills and hopes to find work soon being the new year. What can she do.



I don't think they can threaten someone with criminal charges especially when this is a civil matter. Is that statement in their letter illegal?