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I'm not sure of the details (and its none of my/the forum's business for sure) but when I lost my mother-in-law years ago, I was suprised to learn that the credit card companies basically voided the debt once they found out and the proper paperwork was submitted. My father-in-law was still alive and far from poor, so I assumed he would have needed to pay the debt, but as the credit cards were in my MIL's name and not both of their names, the debt was forgiven.Day 52...
Ah this one is simple.
Served court document at door. I am being sued for CC non-payment. Lovely. I don't have enough to worry about... any lawyers out there?
I don't know if this applies in your situation, but if it does, I would try to contact someone at the company to see if that is how it is handled in your part of the country/modern times.
While I do understand that banks/credit card companies do need to pursue getting paid the money they are owed, I find it horrific how companies treat honest people who are going through hardships. In my mind (I'm probably wrong, but its the way I want the world to work. . . ) they should have contacted you and said "Jeff, we understand you're going through hell right now. We do want our money, but give us a call in a year to figure out how we can square up. We're going to cancel the card for now, but won't charge interest. We're giving you a chance to get life back in order as best it can ever be, but please don't screw us over later."
I know that scenario can never happen anymore, but I hope that it could have happened once upon a time and wish it could again. I hate to see you getting kicked again while you're down.
Stay strong.
Sandy.