I have defaulted on a Macy’s Account. I have sent multiple letters explaining my situation and wanting to try to settle etc, but they just keep sending bills and will not respond to my request.
Steve, I wanted to know what I should try to do next. My husband was laid off from work last year suddenly around the holidays which caused both of us to pick and choose on what accounts we could pay, and the others we defaulted because we had no choice at the time. I had a Macy’s account in which I defaulted. They kept calling after I explained my situation and they were completely unwilling to work with me. So due to all the phone calls (4 a day), I sent by certified mail a cease to desist letter to stop the phone calls, but did stress that it was acceptable to send correspondence by mail. So I keep getting bills and a letter recently from someone with Macy’s asking why I have not paid and once again I explained. Now we are getting out finances back on track THANK GOODNESS! So I have been sending over the last few months offers to settle my account. They will not respond at all. I just keep getting more and more bills in which I ca n’t afford to pay. The original amount owed was approximately $380 and now it is up to $750 due to late fees and interest. The account just shows closed and 120+ days late on my credit reports. So what do I do now? Should I keep trying or should I just give up on it at the moment and wait til it has been turned over to a collector and hope to receive a response to settle the account that way? I am lost and frustrated with this. What do you suggest that I try next?
If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.Macy's Won't Settle With Me on My Past Due Account by Steve Rhode