In 1997, I had a serious accident that left me seriously disabled for life. My only source of income since that accident is a VA disability pension of 70% Military Service Connected Disabilities and SSDI.
In I couldn't meet the payments of various credit cards and medical bills causing me to default on them. I lost all my possessions in a house fire in 1997.
That was the last time I used my Providian 5000 limit credit card. Providian would hold payments to insure I would always get "late Fee's" and "over-limit charges" regardless if I paid the date the bill came.
That balance is now 7890.00 and 5-years old. This outfit above has the debt and is constantly bothering me to pay the balance which is in dispute. I don't owe $7800!
I told this outfit I have no working income, and they continue to threaten me with lawsuits and other methods to get me to pay.
I cannot pay and worry if I travel overseas for my medical treatment later this year, they will take me to court and have my bank account garnished. I only have 1 bank account where my disability checks are deposited.
I feel ashamed I served the best years of my life in uniform and once disabled treated as a second class citizen to be harrassed in the country I served.
Is there anything I can do? Ohio has a vague SOL which is not defined. It says Open account of 5-years, but they say it is considered a Written Agreement = 15-years. Some websites don't know the SOL for Ohio.
Isn't this against Federal law going after those that only have disability for income.
How can I legally get rid of them, they will never go away and I'm scared to answer my phone now.
Help..
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