Reply #5: Thank you all for the information.... [View All]

[zanne]

We will try to get some free legal advice, though waiting lists are long. Both my husband and I are disabled and living on Social Security, so unless the bank puts a lien on the house, there's no way they can get money from us, because we just don't have any. We were paying our credit card bills on time every month, but as time went by, the interest got higher and higher and finally we were unable to pay on time, then we couldn't pay the full amount and they started calling us ten times a day (now it's at least twice an hour). We finally figured we couldn't satisfy them so we started to buy things like real groceries and started ignoring the credit card bill. Paying them every month didn't help and they wouldn't work with us on a payment plan.