In 2007 I became permantly disabled. My ability to pay my creditors was nearly impossible, so I signed up for credit counseling.By 2009 I was unable to pay the amount needed to stay a part of the credit counseling, so my cards lapsed. I was threatened daily with all that would be done to me and my family if I didn't pay. My bills continued to pile up and I got myself to just pay one bill at a time. That was working for me or so I thought until today. My citibank credit card was sent to Asset Acceptance, LLC and was asked to pay $100.00 per month since 2009 October I believe. This has been a real stretch for me, since my disability only pays 1038. Per month and that includes everything. (I had the money taken out of my checking account monthly and paid directly to them) Today I noticed the balance on the paper they send each month and I assumed it was the original balance. I called them and this woman told me that my balance was 8,456.64. I stated it couldn't be because I had been paying on this bill for 24 months. She told me that the money I pay only takes care of the interest, and that if I could pay more it could take a bit off the principle. I asked her if I am then held hostage to this debt for the rest of my life, and she told me " Sorry I can't help you unless you can pay me more" This is so unjust, and I have no idea what to do about it. Any suggestions? I would think if I was in good faith paying every month for 2 years, that would count for something?
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