Hello
I found this forum yesterday - and I am very upset right now. I hope someone has the patience to wade through all this. I've had perfect credit for over 10 years. Last year, I got the idea to go into business for myself. To make a long story short, I made a lot of mistakes, and around the first of the year, owed American Express 3,000.
I kept in contact with them, and I made the last payment in March of this year for just 20.00, then I couldn't keep up. I owe other credit cards also, and still can't see my way out of this mess.