[dthom]

helpsavemyhome

I have 2 cards with Orchard Bank. Both had the Acct Secure payment protection. I received a collection letter in Feb on one card, I call the collector immediately and let them know that I was in process of activating the Acct Secure so I would not have to make payments while husband was out of work, but he had to be unemployed for 30 days first. I again called them when I received the summons to go to court, of course they were rude and said there was no such thing as a payment protection plan. I then had to call Orchard Bank and have them confirm that I was on payment protection and they had to call of the lawsuit. Atty Office was then called again, they acknowledge the collection had been called off. I was to receive a confirmation to let me know the court had been dismissed. Never got it. I am just waiting for the letter of default judgemnt to show up, if it does I will take my paperwork showing I did not have to pay due to the plan I had paid for. I had only missed 3 payments on that particular card by the way before it was sent to collections, and only 5 when they attempted to sue me.
I have had cards tell me they were sick of hearing about people who were out of work, even wanted me to get someone else to pay my bills, yeah right.
I have always been an excellent payer until now, now my husband and I have become garbage to these cc companies. Doesn't matter we always been on time until now. Oh well, I build my credit again after all is said and done.