J
jess
Guest
ok my fiancee got laid off in october and we still managed to keep up on all of our bills but i had a baby in december and after what it was impossible. we had to move out of our house and in with his mom and g-ma. all the bills are caught up except for one credit card. right now i owe over $500 in late fees and missed payments the total charges on the card are around $2500. they sent me a notice in march saying they could clear my account and settle for $1600. i would have done it but of course if i couldn't make the payment i didn't have that kind of money laying around. i want to get rid of this card but it's impossible for me to get it back to the limit because i don't have the $500 that i owe. what can i do? would it be possible for them just to turn it into a loan and i pay the same amount every month to just pay if off. it's through wells fargo. should i call the number on the first notice about the $1600 and see if they can work something out with me?
i just don't know what to do and i don't want this to ruin my credit. my score has already dropped a lot.
what are the changes they will work with me? i was NEVER late before this and barely used the card at all.
what are the changes they will work with me? i was NEVER late before this and barely used the card at all.
i just don't know what to do and i don't want this to ruin my credit. my score has already dropped a lot.
what are the changes they will work with me? i was NEVER late before this and barely used the card at all.
what are the changes they will work with me? i was NEVER late before this and barely used the card at all.