Ive been out of work for TWO YEARS. I was keeping up with payments but things became so critical I had to stop paying on the card. I found a so-so job 2 months ago. (WHOOO HOOO).
Anyhow I just got a letter from Discover saying Im $944 past due with a balance of about $6400 and they plan on suing me. Thing is I only have about $700 in my account.
I live in Illinois. I have NOOOOO idea what to do! I cant afford an attorney. I cant afford to pay them $944! Plus I have a car repair looming over my head.
I am desperate! I need advice. I hope Im posting this in the correct area.
Im close to having a panic attack here. A real one. I have an anxiety disorder.