I moved to Australia 3 years ago and continue to pay my credit card bills from abroad. I was able to keep up the monthly payments until the global financial crisis hit and two of my card companies skyrocketed my monthly payments into amounts I couldn't pay. I wrote both companies in writing explaining my situation and asking if they could lower the amounts, but I never received a response (this was 2 years ago). I have found out there is a law company in looking to issue me a subpoena,but I live in Australia and not the U.S. I'm not sure what the situation will be for ex-pats living overseas. Does anyone have any advice? I'm not even sure this is even a real aw company or a collection agency.