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I called them back, after all, this is what I get on a daily basis from them when I do not answer the phone. I got a nicer person, who is was willing to work with me. I told her of my situation, and she was really pleasant to talk to. We worked out a plan to where I can pay $50.55 a month until...2016. the good news is if I start making more money, I can pay the extra money or the lump sum by giving them a call. This is what I was hoping for with the first call. No, this supervisor wanted a down payment of (get this)...$1200, then he would agree to $50 a month. I was not declaring bankruptcy and I was not going to court over some stupid charge that I did not know I owe.
So what do you do when you are faced with something like this. First of all, try to work with your credit card company. They are the best source of working on a payment schedule. Tell them of the situation. Do not talk to a supervisor, they only want to do what is best for the company, NOT YOU and the company. If you must talk to a supervisor, thank the rep and hang up. Call back again to talk to a different rep. When it get so you have to deal with a debt collector, same scenario, different day. I did not want to talk to a supervisor, the first rep did, and that is how I got one in the first place. Supervisors are afraid of losing their job, because they if they are doing their best to keep the company from going under (like my little $50 payments would put them under). Start the negotiation process. Think about your other bills. Worst case scenario is that you have to tell them about everything, and I did. I am now on what they call a hardship case. I will except that. I hate that, but it must be done, but it better than sitting in a courtroom on October 9th, and you know how judges are. They can make or break you.
So now that is done. No more calls unless I make it to them, and it is something I have to live with for a while. The lesson here is face your fears, and you never know, because God will work it out in your favor. I actually said a little prayer while I was on the phone with the company a second time around, and in fact, God told me to call back when I was on with them the first time. I am glad I did. The bottom line is God will work in your favor if you let him. You may not like it, but things could have been worst. (I would have preferred to wait a little longer, but something told me that October 9th would come before before that time)
Be Blessed everyday.