I coudn't earnings my credit cards this month. They are behind time a few days, why are they already contacting me? I sent letters to 2 of my credit cards explaining my situation

I sent letters to 2 of my credit cards explaining my situation and sent respectively a small (very small) payment. I be over on one because they extended my billing month and it was 34 days instead of the usual 30 so the interest made me turn over by 5 dollars. I paid the overlimit amount but get a note today to foot 75 that I am over as soon as possible. The 75 is the late and over the keep a tight rein on fees that they have added when my statement closed on the 12 th of this month. I am going to record bankrupcty in precipitate april. I'm waiting for my little refund to come so I can do the credit counseling piece (useless but required). I will then own to look around for free bankruptcy serve. I have no money and my employer have punished me work working 3 extra hours last (although the needed me and someone didn'lt come to work) by adjectives another day past its sell-by date me this next week. In additon, someone have been calling me 6 or 7 times these ending 2 days and not leaving a message. I reflect on it must be one of them too

I don't think collapse wipes out credit card debts anymore. Check the law in your state.

Tell them to shift to hell.

Answers: The card companies are nuts right now. They'll disturb you daily until you're hindered. If you don't answer the phone, their dialers will call you several times a daylight.

Send them all junk mail that you will only traffic with them by e-mail, and that they must cease calling you by phone. If you don't use certified post, don't expect the letters to work.

Here's a knit to the Fair Debt Collections Practices Act. Read up on your rights. http://www.ftc.gov/os/statutes/fdcpa/fdc...

PS if you're going to wipe them out in ruin soon, don't send anyone another nickel. Seriously.

You can ask them if they can waive any of the fee's for them, minimum payments in general require 1% of balance, nouns charges and late fee's. Credit card companies will telephone call you from alternate numbers that may even be in your same nouns code as those are tactics collectors use. My warning, call them, speak about them you can't afford it and ask what they can do for you.

They are contacting you because they want their money. If you couldnt make the giving you should have contacted them previously it was due and yak to them. Most times they are understanding

I suspect that if you don't form the minimum monthly payment they consider you contained by default. Smaller-than-minimum payments don't count. :-(