I just joined the forum, and I wondered if anyone else had a problem quite like mine. You see, I have been in the process of getting divorced for nearly two eyars now, and i really can't afford a lawyer or anything to expedite the process, thanks to my low income and too high for comfort debt.
You see, while we were married, I paid all off the essential bills (housing, utilities, food), while my ex paid the phone bill (including cell and DSL for his computer) and gas for his car. He made $11.50 an hour as opposed to my $7 an hour, and I had no idea what he did with the rest of his money, as the student loan and credit card people were constantly calling him about his accounts. During this time, I had to juggle utilities, robbing Peter to pay Paul, and I had to defer my own student loans and pay most of the bills by credit card.
By the time my ex moved out and in with his new fiancee, both of my credit cards were maxed out, my student loans were in deferment, and it was all I could do just to pay housing and utilities.
As soon as I could, I contacted Discover card, because their minimum payment was more than I could afford (after taxes, I bring home less than $1000 a month). When I asked to close the account and see about paying a smaller amount (what I could afford) until i could get things on an even keel financilly, the woman I talked to was extremely rude and unkind. She reminded me that doing this would "look horrible on [my] credit," and I replied, "What will look worse on my credit report: me closing the account and paying what I can, or me not paying anything on the account at all?" She was rude and pushy, but she finally agreed to close the account and let me pay $50 a month for a year. She was about as helpful as dropping a hammer on my foot. =/
I look at my statement and I shudder, because she said that I'd still have interest building up...and I do, and it isn't pretty.
Is Discover Card uncooperative when it comes to trying to settle debt, or did I just go about it the wrong way? *shakes head* I'm stuck, and it looks like I'm going to need some professional help to be able to get out of this quagmire.
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
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