MY NAME IS CAROLEAND HERE IS MY STORY.MY HUSBAND PASSED AWAY LAST YEAR AND I WAS LEFT WITH NO INSURANCE OF ANY KIND. HE DID NOT BELIEVE IN INSURANCE. HE THOUGHT THEY WERE ALL FRAUDS OR SCAMMERS.

NOW I AM A LOW INCOME SENIOR WHO COLLECTS THREE CANADIAN PENSION CHEQUES TOTALLING $1,500 PER MONTH. I VERY STUPDILLY GOT A CAPITAL ONE CREDIT CARD WITH A CREDIT LIMIT OF ONLY $1,000.WELL ONE THING AFTER ANOTHER MY CARD NOW IS $2,OOO AND I WILL TELL YOU WHY. I MISSED A FEW MONTHS PAYMENTS BECAUSE I WENT TO ANOTHER COMPANY FOR HELP.

I WAS WITH A FINANCIAL COMPANY AT THAT TIME COULD NOT AFFORDF THE MORTGAGE THAT I WAS PAYING,SO ENTER THIS NEW COMPANY I WENT TO.

NOW THEY REFINANCED MY  MORTGAGE BUT DID NOT PAY OFF MY TWO SMALL BILLS WHICH THEY SAIS THAT THEY WOULD.SO HERE I AM STILL WITH MY TWO BILLS. WOULD I STILL BE ABLE TO GO AFTER THAT COMPANY TO PAY OFF MY BILLS. AS I SAID I HAVE A CREDIT CARD AND A CREAMATION BILL TO A FUNERAL HOME THAT IS WORTH $2,800. OUT OF THAT $1,500 I PAY MY LIVING EXPENSES (LIKE MY HYDRO. OIL FOR HEATING MY HOME MY PHONE BILL AND PAYING FOR MY COMPUTER, ETC) PLUS BUYING MY GROCERIES.

I AM LEFT WITH VERY LITTLE TO LIVE ON. I HAVE LOOKED FOR HELP EVERY WHERE ON THE COMPUTER BUT MY PROBLEM IS WITH THE LITTLE I HAVE LEFT AT THE END OF THE MONTH I CANNOT AFFORD ANY FEES OR MONEY TO A DEBT RELATED COMPANY TO HELP ME OUT.

I HAVE SENT TWO LETTERS TO CAPITAL ONE CARD,ONE TELLING THEM TO STOP CALLING ME AND THEY HAVE AND THE SECOND TO FULLY EXPLAIN MY FINANCIAL SITUATION AND SAYING THAT I WILL WORK WITH THEM IF THEY WILL WORK WITH ME.

I ALSO ASKED TO HAVE MY CARD CANCELLED HAVE M INTEREST RATES LOWERED,IF POSSIBLE AND TO QUIT PUTTING ON MY CARD THE OVERDRAFT AMOUNT OF $29.95 PER MONTH, THAT IS WHAT IS KILLING ME,THAT AMOUNT EVERY MONTH. WELL THAT IS MY STORY.IS THERE ANY HELP FOR ME. I CAN MAYBE PAY MY CARD ONLY ABOUT $50.00 PER MONTH.PLEASE EMAIL ME BACK WITH A RESPONSE ASAP.

THANK YOU.