Hi everyone,
I have no idea what to do. I got a letter from a collection agency stating that they are collecting a debt for American Express. Well, the account was closed last year, and I have faithfully been making the payments monthly. All of the sudden, out of the blue, they want it all? I don't know what to do. I don't have 6,000. to pay them. Help! PS...my husband has no idea I have charged up our cards, and yes there's more than this one, but I never been late on a payment...omg.


