I had written above where I had a court date and had lost my job in 2005. I called Legal Aid and they got me out of that credit card debt without going to court. It got written off and she told me on the other ones to not worry unless I got a court order. Its been almost 3 yrs and nothing. Most were written off. I told the truth…I was victim of credit card fraud and it ruined my credit for over 9 yrs. I still have some show on my credit, but most are gone.

The attorney told me not to talk to them and not to respond to any of the mail. I’m glad I took her advice. Maybe in another year this will be gone. I feel for anyone with credit card debt that is theirs…in my case, it was not even mine but all these years of misery. If you are a debt collector out there, hope you can sleep at night. Some might be telling the truth as I was.