Long time customers of Amex… about 40 years. Dad passed 4 years ago, and we have been making payments on a 16000 debt; got it down to around 9000$ and then started 100$ a month. After missing one month they sent it to Wagner and Hunt, who was willing to go with the same arrangement, and then discuss a settlement possibility. We (mother and i) were in 2 car accidents within a very short time, and missed a few months payments. Next thing we were served by Wagner and Hunt. I spoke to them and said she wasn't well but that I would try to work with them and come up with some money by the end of the month. (Difficult, because I am partially handicapped single mom,not working now, and unemployment is a mess and way behind. Mom is living on social security.) The next day she fell and got a fractured skull and brain hemorrhage. She is home from the hospital and doing a bit better, but just not in any condition to deal with this. She will never work again (she is 70.) She does own a home, which she is barely hanging on to.

Can I use her mental and physical state to gain leverage on my position with them? I did cal last week and told the woman what was going on; haven't heard since. The remaining debt is around 8k. Also, for that amount, and knowingly dealing with a retired, handicapped person, will they really go all the way with this suit?

thank you,
madeline