Another one LVNV is associated with

Well its me again!I did what Curly Carl suggested and contacted Sears,whoreferred me to Resurgent,who referred me to Phillilps Cowan. I finally found out that Phillips Cowan is an umbrella forLVNV,as well as Resurgent. The funny thing,I've been talking to a guy at Phillips,and he has suggested everything from borrow money from friends,get loan on car,etc. Told him those weren't options,so just now he gave me number and a guys name at Wells Fargo in New Jersy,and told him to tell himm that he referred me and they would loan me money.Itold him most places,including my bank,won't loan me money for this when they find out it is finance charges over YEARS and YEARS,haven't made any charges with Sears in 18+ years, but was stupid enough to pay for years on all these charges. All of a sudden he said he had to take another call,and to call Wells Fargo. My question is, I was going to send a letter and a payment stating this is how much I can afford a month,and if they sent it back,I would have proof I was trying to work with them,but shoud I wait to see what they are goung to do?I do not want to call Wells Fargo and get in deeper in debt then what I am Thanks all for your help. This forum has saved my sanity,I think,and those who aren't members,please sign up. It is so nice to know there are options and you aren't alone in this