Need help with my boa/fia credit card debt

You stopped paying because you did not like the intrest rate !!!! WOW
You owe the money , you used the card and stopped paying , and you are worried about them stealing. !!!!!

Francis, first - please don't listen to these horribly judgemental people. They are probably collections agents themselves, and enjoy insulting people.

Other people will come along and offer some great advice. I had BOA bank accounts for years, no longer trust them, and just closed them and opened accounts elsewhere. I would not give them access to anything unless you have it in writing from them first.

im beginning to feel like there is alot of collectors in here lately. i agree that you need a letter in writing stating your agreement they should send you one. did you call them yet, and if you did what did they say? it would probably be easier to wait till we know what they said before we redirect you to what to do next

Keyko,
Are you defending the same bank that markets credit cards to illegal aliens?
Maybe its the same bank that has been so responsible in their leverage limits to have surpassed 20/1.
Perhaps it is the same bank that has been such a responsible corporate citizen that its in existence today only because it got billions of dollars at the expense of the American taxpayer.
Would this be the same bank whose tier capital ratio's in reality would prove it is insolvent were it not for the allowance of creative accounting techniques that have afforded them the ability to avoid mark to market and maintain off balance sheet accounting?

I am legitimately curious about your position on this.

I GOT A LETTER FROM THEM, BEFORE I MADE THE PHONE CALL, so i'm holding off a little before I make the call, I want to see what your opinions are on this letter before I actually call them.The letter i got from them acknowledges the payment agreement of 60 payments of 370 dollars on a 5% APR. But what seems fishy for me is that they are calling this a "special repayment program"(Nothing wrong with it yet). Then at one part of the letter it says:

THE SPECIAL REPAYMENT PROGRAM WILL CONTINUE FOR SIXTY BILLING CYCLES. AT THAT TIME, OR IF WE DETERMINE THAT YOU ARE NO LONGER ELEGIBLE FOR THE SPECIAL REPAYMENT PROGRAM, THEN ON THE FIRST DAY OF THE NEXT BILLING CYCLE, YOUR ACCOUNT TERMS, FOR ALL NEW AND EXISTING BALANCES, WILL RETURN TO THE AMOUNTS AND RATES DISCLOSED IN YOUR CREDIT CARD AGREEMENT, AS MAY BE AMENDED.ACCORDINGLY.

looks like they can take me out of the "program"(if it even exists) and put me back on my old cc debt terms pretty much any time they choose to.

I'll try to post this letter here later. I'm not so good with posting stuff on the internet.

any input is deeply appreciated.

Francis filoco

If you have negative things to say i'd rather you not post at all.