by zombiesandsunshine » Sat Mar 21, 2009 03:24:00 PM
It's a Cibc VISA. I don't recall the name of the collection agency, I know they're in Ontario though. I'm in a position where I was laid-off in January, and so far haven't been able to get anything but very part-time work. To date, I haven't even paid 1/4th of my rent for March, landlord has been understanding so far, but that won't last long. The collection agent was quite friendly, surprisingly, and offered 65 cents on the dollar, but even that is an amount I'm not going to be able to come up with. Tried everything, tried for a loan, thought about selling some belongings but decided i wouldn't get much, asked family members to lend me some money, nothing's worked.
the last time i paid anything on the account was mid-january, actually just days before i was laid-off, i paid close to $200 on the acount, bringing it down from 2300. i had an 'agreement' with visa set up but something wasn't right on their end and the date was set one month earlier than i'd agreed i would pay a certain amount by. the plan was to pay $300, and then continue on with monthly payments of $50-100.