I have just hung up on one of your debt collectors because of his rudness and lack of the law.
Many years ago I had a Washington Mutual credit card (or a card that was bought by them). I had a good job and was planning to get a part-time job to augment our social security benefits when I retired. My husband was retired and his ceiling was not with the times (even though he started with the maximum allowed at that time) and his 20% disability check vas very small and certainly no help.
A few years before I retired, we bought a house which would house my daughter's family and us. In renovating it, we ran into major work and spent more money than we had anticipated. I was told at work that I would not be getting any more raises because I made too much money. Well, our bed was made and we tried to make the best of it. My daughter got a second job so she could make ends meet. She had to give up precious time with my young granddaughter so she could work as much as possiblle.
The last few months before I retired by Hep C had damaged my liver enough to put me on a transplant list and was damaging my well-bearing body. My husband's kidneys were being watched at this time with kidney failure possible in the future. Medicare's donut hole hurt me tremendously and any part-time job was out of the question.
At this time, I was still paying Washington Mutual but with a lot of difficulty. Our credit became affected and all interest amounts went up. We found that we were paying late fees and most of the interest each month, but nothing else.
My home is waiting for a short sale to go through, but we will not see a penny. When we moved, almost a year ago, we knew we would lose our car, but with our bad credit interest was more than double the going rate. When they picked up our car, we were left in a strange state and city. I live in an apartment which is not walking distance from any stores. I have a friend who lives close-by and a neighbor who befriended us, and who are kind enough to drop us at the grocery store or pick-up bread for us. No one delivers here so everything is hard to get. The taxi service is not too expensive, but ten to twelve dollars added to a grocery bill does add up.
I have not been able to go to my appointment at Shands Transplant Clinic in Gainsville and my husband had to change is VA appointments to a closer office. In the meantime, my husband's kidneys completely shut down and he goes to dialysis 3x a week. We are both eligible to the ADA transportation at a reduced fee, but we have to know a few days ahead of time so we can reserve a seat. Both our social security and his disability payments give us an income ab0ut $1, 000 too much to be eligible for assistance with most services especially since they do not count your expenses.
When your representative called he only wanted us to make arrangements to repay a debt, and he insinuated we had no right to buy food or drugs when we owed this money. I told him that the law says our social security and disability cannot be touched to repay this debt and unfortunately we had no assets. Just keeping my present bills paid (no charges, no entertainment, so car payments--no car) is creative. We had to give up our cell phones (which are really needed since we are waiting to hear about transplants) because this was not an essential expense at this time. Our oldest grandchild had a Bat Mitzvah when she became 13 years of age and we could not get to New York. We have exhausted every avenue and are not giving up. I also told him being nasty is certainly not going to help him collect any month if and when, we are able to pay all our our old creditors.
Old age is not the golden years and 50 years of working never allows for the inevitable. All the money you save during your working years, an go very qiuckly with just one unexpected turn of events. I am sorry I did not get your representative's name because he deserves to be treated the same as he treats people he calls. G-d knows how to get even some where down the line and I have confidence in his long memory.