I too bought a BoFlex back in 2006. I paid regularly and one month got told my payment was late and they raised the interest to like 22% or some ridiculous amount. I argued that I mailed it ahead of time and it is not fair to raise the rate because it sat on someone's desk. After two years of paying over $50 a month plus one time I sent in $500 I had enough. my husband was laid off and I still had many medical bills from when my daughter had passed away. Anyways I made arrangements again with them to try to lower my payments. I just could not keep making $50 payments along with everything else. The collection letters started coming, and than they started calling all kinds of people who had my same last name. When I called and asked why they had called my stepson I was told that they looked people up on the internet. I said that is not legal. This is harrassment. Well the woman got real nasty with me telling me I needed to be paying my bills. I explained that my husband was unemployed and I even had voluntarily had my car reposessed. I could not afford her high payments and she could do what she wanted with reporting me to the credit bureau. Well with that she went off on me that I have obligations to pay my bills, and where do I get off not paying people that life does not work this way.
All my life I have worked. Unfortunately I had a special needs child who had many medical bills over her four years of life. My husband and I have always paid our bills and busted our a#$ to pay our bills. We fell on tough times and have struggled to stay afloat ever since. I just don't want you to think I am the type of person who relies on welfare or anything like that. By the way as a side note we were unable to ever get medicaid etc... for her due to our income.
Anyways now I got a letter today stating that if I do not call them I will be liable for court costs, attorneys fees, plus what I owe and that they will be taking me to court. I am a nervous wreck over all of it. I just simply do not have the money at this time to pay them the large payments and they still will not take smaller ones. Has anyone been taken to court by them?
