You just have to laugh….
I only have 1 credit card which was unwilling to work with me a few months ago. They were actually pretty rude about it too, so they went to the bottom of the list.
I’ve made payments every month, but in their world, I have a “past due” of $485, $385 of which is late fees, which they are unwilling to waive.
They just called again. Nicer person, but still the same position.
And I’m like, well guess what? My position hasn’t changed either. I’ll still send you $100 a month, and hopefully someday it will be all better 🙂
you just gotta laugh. if it wasn’t for the creditors, my phone would never ring 😉