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I’m Now Disabled. Should I Settle My Debt With Macy’s and PayPal?

Question: Dear Steve, I do have Macy’s and PayPal account which I am thinking of trying to settle. I did settlement back in 2010. Everything went well as far as my finances is concern from 2012-2015. Unfortunately, I got disabled and now on permanent disability. I am still current on my payments, though I am … Read more

I Paid Macy’s But They Sent Me to Collections. – Matilda

“Dear Steve, In March 2013, I purchased $74.98 with a brand new Macy’s Star Rewards card. They sent a statement, I paid the full amount, on time, in their enclosed envelope. They claim they never got the check and pressured me to pay by credit card over the phone. Since they had called me, I … Read more

Can I Get Macy’s and Capital One to Please Charge Off My Credit Cards? – Brigitte

“Dear Steve, I live in California, I’m 55yrs old woman, my 3 daughters just finished college, last month I lost my job, I have 2 credit cards, one is Macy’s for $5,000 and the other Capital one for $5,000, do you think if I call them and let them know I’m unemployed they will charge … Read more

Macy’s Won’t Settle With Me on My Past Due Account

“Dear Steve, 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 … Read more