Well about 3 months ago I ran into some financial trouble and was able to work something out will ALL my creditors BUT Direct merchants bank. YOu see thay have this hardship program and I applied figuring hey I';m in trouble and I want tocontinue to pay so I'll try.
What a waste of time! After listing all my debts and stating my income she says"you don't qualify becuase you don't have enough income" no shit, thats why I called to tell you. She tehn states that they are the more important company to pay and I Should cut down or refuse to pay other creditors in favor of them? What type of shit is that! Anyway after they refused to help the phone calls started at least 16-20 times a day and sometimes tihin 5 minutes of each other. I sent a cease and disist letter and after a few weeks the calls stopped.
I then get a letter stating that since I sent them a cease letter they will now refer the account to an attorney to sue me. What the hell is going on with these people. They would not help me when I needed it they would not take my partial payments so they figure suing me is the best option?!? I wanted to pay and keep thins cool with this company but since they could care less then I don't either. I mean I can only give so much and they obviously think I'm joking when I say I no longer have a steady ful time job just a basic run of the mill psrt time gig but it pays just enough for me to handle the basics.
I'm seriously thinking of filing bankruptcy or lawyering up to fight these guys if they do sue so any help from other victims of this company as to what I should do would be appreciated.
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