questions & answers

Question: I have been paying $20 a month since May 2006 on a credit card debt. I was taken to court and agrred to pay this much until my debt was paid. I believe I had around $1665 to pay. I have made every payment but in Dec of 2010 the collection agency stopped cashing my checks. I have called several times and was told my account is closed. They will not tell me how much I owe or where I should send a payment to. After calling several times they hang up on me or put me on hold forever. What should I do? I've been paying for 5 years.

Answer: You may want to review the articles posted on this website under “Consumer Issues/Bankruptcy”. These articles provide general information on debtor rights and an overview of the Fair Debt Collection Practices Act. Issues regarding credit card debt can be very complicated. To find out how the laws may apply to your specific situation, you may want to consult with an attorney.