What should I do?
Date: Tue, 01/01/2008 - 19:56
Here's what happened...
I'm in my dmp now since September. Well, this month I was short on my payment. I sent 1/2 the money by next day air on 12/27 as the payment was due. I got it to the post office past the cut-off time, so it would go out on 12/28. That's fine. Was supposed to be delivered 12/29-which is Saturday & they were closed. Then they tried on 12/31 (Monday, New Years Eve), but I guess the place was closed. So now the post office is holding the package for 5 business days for them to pick up. If they don't pick up then they send it back to me. I did include a note explaining I was short this month, but promised on 12/31 I'd send out the other half of the payment (which I did...by next day air).
So now the payments are late & no one is at the office to take my call. I left a message & sent an email for someone to call me back.
I'm just afraid I'll be late on my one card payment that's in the program. Should I call that card & explain to them what happened...that no one has picked up my payment? Are there grace periods with card companies & receiving payment from a DMP? I'm not worried about my other card as the payment isn't due until mid-month.
What do I do?
I'm in my dmp now since September. Well, this month I was short on my payment. I sent 1/2 the money by next day air on 12/27 as the payment was due. I got it to the post office past the cut-off time, so it would go out on 12/28. That's fine. Was supposed to be delivered 12/29-which is Saturday & they were closed. Then they tried on 12/31 (Monday, New Years Eve), but I guess the place was closed. So now the post office is holding the package for 5 business days for them to pick up. If they don't pick up then they send it back to me. I did include a note explaining I was short this month, but promised on 12/31 I'd send out the other half of the payment (which I did...by next day air).
So now the payments are late & no one is at the office to take my call. I left a message & sent an email for someone to call me back.
I'm just afraid I'll be late on my one card payment that's in the program. Should I call that card & explain to them what happened...that no one has picked up my payment? Are there grace periods with card companies & receiving payment from a DMP? I'm not worried about my other card as the payment isn't due until mid-month.
What do I do?
Call your DM office tomorrow and explain it to them and see what
Call your DM office tomorrow and explain it to them and see what they say, they should be able to direct you on the next step. It might not hurt to call the CC company as well but I would check with them first. You don't want the CC company to say you didn't meet the terms of the agreement, so speak with your counselor first.
