I just got a letter from Frederick J. Hanna & Associates. I called them up to clarify which credit card I owe - it was Bank of America.
I have contacted Bank of America multiple times about my financial hardship and they said I can pay off in 5 years with no interest. Now, they sent to an outside collection agency and trying to say it is the legal department of BOA. They told me I have two options - settlement or pay in full. They asked me financial information to see what I qualify and I did not provide anything yet.
Because I am trying to figure out my options first. Then, they said if you don't provide any information, we will proceed with the lawsuit. From reading other complaint, I am concerned that even if I can pay whether it will even pay off in full before they keep adding fees to the account.
I just got the letter today. What should I do? Should I contact a consumer lawyer first before talking to them? Need advice rigtht now and who knows what we are going to do next?
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