Anjyone settled with EMERGE credit card

[rickeyleee]

I thought I was lucky that they were the only card I had that hadn't gone to collections but after 5 months, they said they would keep out of collections if I paid them 191 per month. Now they won't negotiate a settlement at all. Anyone have any advice or has anyone dealt with them. I have only read that once they send to collections, they sue you and take you to court ASAP.

Please post your thoughts.

[puck]

Emerge has been holding me hostage for years. After doing research on Emerge they claim to be a cc but I believe they are a collection agency pretending to be a cc. If you go on the website all it is a portal to make payments. I called their customer service line and she said they are not taking applications for the emerge card. Emerge claimed they bought my providian account. I requested sent the DV letter on this site and they sent me a couple of emerge statements they have already sent me before. When I called them they said that it was enough proof for them that I owed the money. They could not come up with anything from the Providian account. I sent a registered letter to complain to the FTC. They never responded. I called the FTC and they told me they have to have several complaints about a company before they investigate them. I sent a registered letter to my Senator and still have not had a resolution. Now I will have to sue them. I will be asking for all the money I already paid them over the years. If you don't make the payment they kill your credit score if you do it looks like you do owe the money. Bottom line it's up to you to do all the work because the FTC and the goverment gives a ****. They won't bail us out thats for sure.

Good Luck.

Puck

[astiman]

They are a scam.

Google "Emerge Credit Card."