Around February 2011, I started flight school, which to my surprise was much more expensive than I had ever imagined. Anyway, I needed to buy headsets, and a large number of other pilot supplies, which in total came out to around $3,000 and I put them all on my American Express card, I did have the money to pay them off, but I took a risk, seeing as how I only had $3,500 in the bank. One week later, my cousin passed away and my Aunt and Uncle needed help to pay for the funeral, so I offered whatever money I had to them. When bill time came around, I did not have the money to pay American Express, I did not have a job at the time because I was a full time student, it’s 4 months later and I have completed school and I’m only recently starting to look for work.
American Express has charged over $500 in late charges and is now threatening to contact a local attorney and sue me, if I do not pay. They call at least 15 times a day using at least 8 different numbers, I’ve tried working out a repayment plan, but they want at least $1,000 a week and I am unemployed there is no way I can make that payment. Is there anything I can do to get them to be more lenient, or to stop them from suing me? The total I owe now is $3,738, I’m only 19 years old with almost no assets and a small banking account, I’m just barely getting by with some temp work and would really like to avoid bankruptcy, but I know I dug a pretty deep hole here.
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