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Dear Mom Who Can’t Afford Organic Food
Are you working directly with AMEX or a debt collector? Thank you for this post. All we can do is do the best we can and not look down on others, no matter what their situation is. If I had the funds I would settle. They can call from their free cell phones when they get hungry.

Did you know you can buy this stuff with your food stamps card?

Magnetic stripe card

It is too easy to qualify for food stamps and nothing is required of recipients who are on food stamps. We cannot afford it. We are now borrowing 40 percent of the money used for food stamps.

If it is nothing more then picking up trash at a park or along a road. Anything to pay back the cost of the stamps. Did you receive my comment? It burns me up to see and know the Food Stamp abuse that is going on around me. I agree completely with the above. Then they walk outside to a current model luxury vehicle. You are missing the real 1 Prohibit food stamp payments to illegal immigrant families. Illegal immigrants who have children born in the United States routinely receive food stamps.

This policy should be changed and brought in line with existing policy on the earned income tax credit EITC. The same policy should be applied in food stamps. People are not using food stamps to buy food.

There are no restriction or limitations on what can be purchased, and no penalities for abuse. I think all taxpayers should withhold taxes until the gov. Also no tax refunds to anybody that does not pay in any income tax….

National sales tax would work, with no income tax…. A relative works in a membership store and tells of numerous customers who work thier iPhones in line while buying high priced steak with food stamps and then pull out large rolls of cash to buy high end liquor.

This situation is not anecdotenal or uncommon. What they can buy with food stamps. Candy,soda I think they should take those things off food stamps and only be able to get food items. Milk,bread meat,dairy,juice ore items like that. Before the days of food stamps, eligible people reported to a certain office on a certain day of the month to pick up a box of commodities, i. This commodity box system ensured that the type of abuse so common now in the current system did not occur: It is not an uncommon event for people to use food stamps to purchase types of meat and other expensive foods not within the budgets of working people who are not qualified for food stamps.

I have seen people driving company vehicles and wearing company uniforms major package delivery corp using food stamps. These workers make ample income to cover their own food expenses. The assistance should be restricted to basic foods such as non-delicacy meats, vegetables, fruits, bread, and grains.

I once saw someone buying a jug of kool aid and cracker jacks with thier food stamps. This is not food. This is incredibly offensive. People who are near or below the recognized poverly level should be able to get food stamps with proof of eligibility.

Require strict proof of need and require recipients to work in any needed area whether it be cleaning the streets, picking up trash, or any other area to insure that they are held accountntable and using their food stamps only for food and not alcohol or drugs. Need to go back to giving FOOD to the needy not money or debit cards.

You could have meals on wheels cheaper than the present waste. They can call from their free cell phones when they get hungry. The fact that illegal aliens are eligible for SNAP is particularly egregious. There shold be a requirement for work, or at least documented searching for work, before food stamps are given. The worst thing about it is that it exists as a Fed.

People should help people. So, is this the way we continue to rack up trillion dollar deficits each year! Yes, we need to help the poor, but is anyone verifying their financial status??? OR, are we just trying to get more votes in November???? It needs to be controlled by the states at the local level where it can be more closely monitored.

This would help eliminate fraud and duplication. This program is not limited to just people in real need nor do there seem to be any substantive restrictions on what may be purchased. In addition it may lead to the entitlement mentality. It has gone way beyond its original intent — no surprise there. Recently saw a very well dressed woman with steaks and other choice foods in her order, and she then argued with the clerk because the latter would not let her use food stamps for the entire order.

Need to validate need, show effort at job hunting and limit how long 12 months a family can receive stamps. Can apply for extensions every 3 months. Our Social Services need, should not be the function of the Federal Government.

It is the responsibility of our Churches and related nonprofits collectively. Having Big Daddy Federal Government filling this role creates the environment and opportunity for Politicians to politicize Americans misfortunes. Obama is expanding his Voter Base. Teaching people how to look to Government to Survive when things go bad.

Social Services should always be very temporary. Return the monies to the American People and let them contribute to Churches and Nonprofits of their choosing. The Federal Government does a lousy job of spending our funds. This is a simple one. Next, if you can walk, you can work. This is more about the distruction of jobs in the us than anything else. If I have a neighbor in need, I will help. If I have a lazy worthless neighbor, let him starve, we have to start somewhere.

The problem is huge, it needs a huge fix. Every one of these suggestions is good! While grocery shopping, I checked out behind a young Hispanic family with two children. Both of them were young, and the woman standing beside me commented that they should be working on a Thursday afternoon! The clerk mentioned that they come in every week and purchase this much food!

We cannot continue to sustain this kind of spending. We need different laws like what you have proposed and fast! Other countries are not as welcoming to others, unless you are hired to come, and Ireland will not let the spouse of one with a work permit even work!

We must tighten up in America!! Food stamp program, as with all other forms of welfare, should be limited to those that really need help, with the following conditions:. Otherwise it is just another Dem wealth redistribution program designed to promote reliance on government and Dems. I understand wanting to resolve the debt for the simple fact its out there. Contact Discover and find out if they have the account placed with an outside agency for collection.

Post the name of that company if so. If Discover has your account internally, let them know you are aware you cannot be sued, and the account is set to fall off your credit in a couple months. You want to do the right thing, and resolve the debt with them, and can pull together xxxx amount, but no more.

You actually could lower your credit scores with a recent settlement on a stale old collection account like this. That would likely change again when Discover falls off your reports later this year, but still….

Given how old the account is, you have a shot at settling with debt collector for Discover at closer to the 20 percent mark.

But your questions is about what is most realistic, any that would be the 40 to 50 percent mark. There can be concerns about calling creditors and debt collectors to resolve debts that have passed your states SOL to sue. There are some states where you can conceivably reset the SOL verbally.

New Mexico is not one of them, but if you are concerned about it, contact a consumer law attorney in NM with debt defense experience. That will set your mind at ease. Dear Micheal, Thanks for your prompt response. I have a few questions based on your reply. Does this mean that it will not be on my credit history starting ? Would I still have to pay them after ?? Dear Michael , I had a discover card with a total balance now according to them of I have been living in India for the past 5 years and was not even aware of this card.

I just happen to notice this when I randomly checked my credit report. This debt is still owned by discover and they have filed a lawsuit against me using a attorney from the weltman weingburg and Reis in Columbus Ohio.

I would like to settle this debt as might someday move back and would need a good credit. As of now they really have no choice but to settle. Is should I call discover or the attorneys?? And how much would be a good amount to settle for?? But you are in a different position — with your being out of country — and no way to enforce payment.

You could shoot for a lower settlement. You would be calling the attorney for Discover to negotiate the deal. Focus on your having left the US over financial difficulty, and are just trying to do the right thing.

Take your time if you are not in a hurry. Post an update with what happens on the first effort and lets go from there. As an alternative option, and perhaps you may mention to the collector you connect with at Weltman Weinburg and Reis, you can consult with an experienced debt defense attorney in the area where they sued you. There may be issues with how you were served, and jurisdiction you were out of the country. You may find it is less expensive to work with an attorney to vacate the judgment if advisable in that state and court , than it would be to settle.

Would you like me to email you contact details for attorneys I know of? Just post the name of a larger city near the court Discover sued you in. I am assisting my mother-in-law in settling her debt with Discovery. Mom is older, in a retirement home with no car and no future need for credit. We are helping her meet that cost.

She has no car anymore and no plans to get one. All that said, we do believe in paying our debts and are willing to help her pay what she originally owed before all the fees piled up.

That is about what, in our opinion, is fairly owed before all the interest charges and fees. She can pay by phone, send in a check, by credit card! They also have what looks like standard information on tax consequences etc. Mom has no credit right now, has no way of paying off this debt mostly medical expenses and is basically uncollectible.

Discovery is the only debt she has. Is it worth trying to negotiate further from here? Every dollar does count and means better care for Mom I lost my mom a few years back and I am fortunate to have a wonderful woman as my mother-in-law, I consider her my mom too or at least the chance for a pedicure or to take her out for a movie instead of just renting videos.

Do we need more information in writing? Is it safe to call from our phones? Is it safe to pay with our credit cards? We would be able to pay it off this month if they settle at the amount stated in the letter.

If not safe to pay with our credit cards I have nightmares about suddenly seeing charges adding up to the rest of what Mom owes on our cards! Again, maybe I am being overly cautious but makes me nervous even sending Northstar a check from our checking account. Can they use that to then deduct the funds from our account? You appear to be very quick in responding here so, despite the holiday weekend, I will try this! You could call Northstar Location Services and attempt to negotiate a lower settlement deal.

Just know going in that I see very few Discover credit cards get settled for less than 40 percent. Those files that do get negotiated for less than the low side of average do tend to mirror the situation you are sharing:.

Debt collector for Discover is not a local or same state attorney to card holder. Discover customer is in a fixed income situation, judgment proof, and no need for credit. The collection and offer letter from Northstar is in line with what I would look for in a debt settlement letter.

Calling Discover Card, now that they have a debt collector working her account, will result in being passed on to the debt collector. It is safe to call the debt collector from your phone. They will not call to harass. If they do, post an update and I can assist you from there. If you are hyper concerned about it, use one of the tips I suggest for answering and calling debt collectors.

For your situation and concern, I would like the Google voice option. In this situation, I would personally not have a problem paying the settlement with my credit card. If any problem were to arise, post an update about it and we can go from there.

Your concerns in this regard, and setting up a different account for payment, are not without reason, it is just that those reasons are mostly overblown nowadays when dealing with legitimate debt collectors.

If you are hyper concerned about this as in it will keep you awake , do just as you outlined, and set up a different settlement bank account , or use certified funds from your current bank, so that proof of payment can be easily tracked and proof obtained if ever necessary.

If it were me trying to work out the best deal from my mother in law, whom I also have the highest regard for, I would first look to negotiate a better savings deal than what Northstar Location sent in that offer letter. I would continue to hold out for a better deal unless I was in any way concerned about later collection efforts, which could include her being sued for the account. Her being sued does not mean much when her only income is protected from such things. It is a bit inconvenient though.

One last thing would be to be prepared to provide a letter of authorization signed by mom. If you already have a POA, that will work. I will get home too late tonight to call them but will call them in the morning tomorrow.

I will make sure they understand the situation and then ask them to settle for a lower payment. If they will, great! I will then call back the day before they lose the contract and increase the offer. If they take it, great! If not I will wait until the day they lose the contract and call again with my final offer.

If they do agree to a lower amount how would you suggest I get that in writing? Is an email acceptable? I can set up a temporary email account pretty easily. Is a fax better? I have a fax at home but would prefer not to give it out. Maybe a fax to a local Staples store? If they want the authorization letter I should be able to scan and send it by email, yes?

Or should I be prepared to send it another way? Or if I conference call mom in so she can verbally authorize it would that work? Thank you again for creating this website and your timely assistance! To be honest, seems too good to be true! If all of this works out well and we are able to put this behind us I hope there is a way I can repay you! Fax is the most common method, though email is becoming an option more and more. I would not worry about giving out a dedicated fax number.

But if you are, I think you can still get a free one from efax, or someone like them. Be prepared to fax in the letter of authorization, but here again, email is only now being adapted more for this type of communication.

Ask for an email option, but settle for fax. Verbal authorization is an option. I would ask them if that is preferred, as it is immediate, and you often do not have to wait for electronic communication to work their way through Northstar Locations Services collection system.

I know where your coming from on what this site represents. It is real, and true. But let me try and dash the esteem you have reached for it… if you find value from the site, please consider donating money to a legal aid office near you, and perhaps one with a focus on elder law for mom , or grab a bit of extra food for donation to the food bank in your area.

Just thought I would check back in with an update. Northstar was very professional and good to work with. They seemed to prefer email over voice. I emailed them a copy of the financial authorization and they came back within 24 hours with a revised offer that was a few hundred less than their previous.

I then expected to be waiting until the last day before their authorization ran out to call again. I missed their Saturday hours but got up extra early this morning to call in. How do I know that this is truly over for my mom? I have a confirmation number and the paperwork with the offer. Should I call Discover card? Maybe wait a month or two and then check her credit report? Is there any way to tell definitively that this is behind her now?

Again, thank you for all of your invaluable help and advice. I am very, very skeptical of something for nothing, especially on the internet, but this was the real deal and our whole family is very grateful!! Your Discover Card settlement letter, and your credit card records that show payment was made before the offer deadline on the settlement agreement, both combine to prove this is done. No matter what Discover, or a debt collector working for them may err in, you have the proof you need.

If, for any reason, something occurs that concerns you about the finality of the settlement, post an update and I can help you from there. Generally speaking, you would wait about 60 days, then check the credit reports to see that Discover Card is now reflecting a zero balance owed.

Even if your mom has no need for credit any longer, it would be good to correct Discover if they do not update her reports. Post what you see in a couple months, and I can help you go from there if need be. Thank you for posting about your experiences negotiating with Northstar Location Services on a Discover Card bill. That feedback will help many later readers approach them with less anxiety. At the time I had no funds, so did nothing. Recently I was served a summons and now have 14 days to answer.

Or should I answer the summons? And how would I right an answer and then what would I do in court? I lost my job and have been gathering all the money I can. I would encourage you to first speak with an experienced debt collection defense attorney about filing an answer, and even going further with defending the action, if the account cannot be settled with Discover for the 3k you have now. Answering the complaint, and participating in the discovery process, will buy you time.

Perhaps more than 6 months. That may allow you to pull together more funds if you need to, or will show the attorney you are not an easy lay up, and why they should settle for 50 percent-ish. I live on Long Island, in Suffolk County. Do you have any attorney recommendations?

What are the fees associated? I sent you an email with contact details to an experienced attorney you can consult with on Long Island. Fees will vary from one attorney to the next, and from one file and set of circumstances to the next. You can talk that over with the attorney before deciding anything.

I have a discover card that I just received summons from krisor and associates. I owe about 12k. I was unemployed a year ago for 8 months and from behind on many cards. All of the rest have settled for payment plans on principal. They said I can go to court and accept responsibility for loan and just keep making payments or not go and have default judgment and just keep making payments.. Either way, as long as I make payments timely, that would be fine.

I would like to just keep making payments, but want to know consequences if judgment is default or if I go and accept responsibility of account.

I like Discover Bank when it comes to collection policy and procedures that are predictable and consistent. Unfortunately, there are reasons not to trust the attorneys collecting for Discover.

Whether you go to court and accept responsibility for the debt, or do nothing about the suit, you will end up with the same thing… a judgment. Once a judgment, it does not matter whether it was by default or summary. The collector you spoke with at Krisor and Associates is going to look after the firm and Discover, not you. In that effort, they have already misled you, as you appear to associate a difference with the outcomes presented.

And if you were left with the impression that paying a dollars a month was going to be okay, that is false too. The consequence of the judgment may be unavoidable, depending on your financial circumstances, but they include risk of wage garnishment, bank account levy, and property lien, all depending on state protections.

What state are you in? What amount of money can you pull together in order to settle the lawsuit for less than what they are trying to collect? I am in Lafayette, Indiana. I cannot pull in enough for a one time settlement. I sent you an email to 4 different attorneys with debt defense experience. None of them are all that close to you, but distance does not have to be an issue in these cases. You can also ask one of the attorneys I sent you if they can refer you to someone nearer you, that also has their same level of experience.

I have a 17k debt with discovercard. I stopped making payments in June of I made three payments and then stopped making payments until oct where i made one payment. Since i became delinquent the rep said too avoid a charge off I would have to bring the account current with the missing hardship payments. Since I am in the hardship program does that mean, I have to wait until a charge off occurs before I get traction in negotiating a settlement?

Your account may need to drop off the hardship plan in order for the Discover recovery rep to be able to discuss settlement options with you, or your account may be flagged. How new is your account when did you open it? In what period were the balance of charges created on the credit card? I am looking for whether the account was maxed out quickly. Were there any large cash advances on the card in the 12 month period prior to payments going into the Discover hardship payment plan? Have you heard from any debt collectors outside of Discover employees at this point?

I recently was laid off and have been having trouble making my mortgage, car payment and putting food on the table let alone paying for credit cards.

So I stopped paying about 6 months ago. It seems many of them are charging them off and selling them to collection agencies. Discover does not seem to be charging off though as I just received a letter that my account is Pending Attorney Placement. So I have a few questions. If not what will happen when its given to an attorney? Can I expect attorney notices or summons from these cards or will they just keep being sold? I lost my job and couldnt afford to pay my credit cards so stopped paying.

I own a home with a mortgage and finance a car. I want to settle with these companies as soon as I can but that will be at minimum anywhere between 6 months to 18 months, and I want to protect my house or car from being taken.

Aside from from filing bankruptcy, there really is no sure fire way to avoid being sued. You can, however, get creative with how you avoid a judgment, if time is what you need to buy.

If sued by Discover you can defend against the suit and buy many months time to save up and settle. Post the names of other creditors and debt buyers you are dealing with. I can better give you an impression of what to expect moving forward.

I am in New York. UCB is not much of a debt buyer, so that is likely an assignment, or contingency collection. Citi and Chase both sell debts, where Discover has not been much of a seller of their defaulted accounts. Your risks of being sued by Citi, or Chase, are small.

But being sued by a debt buyer that picks up one of those accounts is real. As you learn the identity of each new debt collector, look for information about them on this site I cover most of the bigger firms , or update this comment thread.

If you are sued by Discover, working with an experienced collection defense attorney in New York there are several , could buy you the many months you need. Discover sent me to collections, Van Ru collection agency.

Once they put you into collections, ignore the letters at first. It is their way to influence you to respond. The debt collector will tell you they cannot accept and are bound by what Discover dictates. This is also a load of crap. And then be thankful you just settled for 25 cents on the dollar and it goes away. Your credit card with Discover went on one collection track. Others can indeed experience what you have, and see those lower offers, usually longer down the life cycle of a debt.

Some people will not see those offers with collectors as low as you have. Some will be sued by waiting for what you describe to happen. I have filed a response and am scheduled to meet up for case management to try and work it out. Part of the case management process requires both parties to try to work it out before the meeting.

She needs to submit the request for approval and realistically told me would probably get rejected and suggested 2k. I was not even given a second chance to up my offer for submitting for approval to see if they can meet me halfway. My desperate research online varies from careful objections to items I am unsure of and only admitting true to items I know for sure are true.

There seems to both a calm or a paranoid approach to completing discovery. The calm approach says to answer everything as best as I can, and anything I am unsure of, I should flat out deny for now. Did I say something to make them want instead of a lower amount? Any advice on what to do overall? Kaydee — The paranoid approach to discovery is the correct one. Lawsuits are a contest. Each side looks for an advantage. Those discovery requests and answers are part of gaining an advantage in the contest.

You are being sued by your original creditor who is using a competent law firm. Discover has the advantage even if you were to have the assistance of a skilled debt defense attorney. That advantage is amplified with you working on your own. Settling with them would be ideal. I do know that lower amounts get approved by Discover in these instances, but I also see where people can appear much more collectable on paper than they really are, and the collection shops software will recommend holding to a settlement number.

When that happens, your job is to get them to see beyond the data. Hard to do with a trainee. You are buying time with your defense, but I would use that time to try to gather up the money for settling this. Thanks for the advice. Perhaps they saw who the employer was, Stanford University, and decided I must have some fancy, high-paying job. Does this mean I need to also file my responses as well as the proof of service? I really need help with Discovery.

If not, maybe you can give me general guidelines as to how to answer them. Discover sent me billing statements 2 months that I still paid for Oct and Nov and stopped payments beginning Dec through Jun when they sent to collections. They also included a copy of the card agreement. The request for admission of the billing statements they sent me do not list the full account number. For example, I read online from another site http: I am sleep-deprived because of a 1 mo old newborn and struggling to format the discovery properly before sending it out.

Any help would be gratefully appreciated!! I do not think the employer set off any bells, but the letter you sent to Discover itself can create a scenario where someone now has to look over your account, and make a determination, or code the file if you will. Similar to how a debt validation request can bring legal review, or set things in motion that the internal compliance and legal teams at creditors and collectors have already built into work flow.

I cannot help you with discovery or pleadings. It is not uncommon to admit in part, or deny in part, in answer to interrogatories. If you get to the point where your past bank statements become a concern, you took this too far, if your goal is settling.

I attended the case management conference and of course the Discover rep requested a trial set date but since we are in negotiation, we have two months to try and settle this before the trial setting date at the end of September. He said to just keep calling to negotiate for a lower amount and wished me luck. Discovery aside, I am still trying to settle for a more affordable amount. I think though if I keep calling, they might budge a bit. Have you heard of a complaint that has the option to settle the account in it?

I know someone who got served a complain and they claim the complaint provided contact info to settle account. It sounded like the original creditor assigned the account to a debt collection law firm with the option of settling it out of court. She recommended I call the my original creditor, Discover, to try and settle. The vast majority of situations, the original creditor will refer you to the debt collector, or collection attorney in your case, rather than work something out with you directly.

They have an obligation to their contract collectors, and will not circumvent that, with perhaps the rarest of circumstances. How much lower do you need this to be before you can fund it? I now have a 7 month old child at home while working part-time and can barely pay the bills. Even my student loan is on deferment. Sadly, I found out they do not accept credit cards as a form of payment so I am really screwed for offering to make payments.

Regretfully, I have already emailed them a list of my expenses but will wait until tomorrow to fax in my recent bank statement, which is completely NOT representative of normal activity due to the holiday season. It shows many purchases one would expect of the holiday season but because the place I work at was closed for half of December, I was not paid for 2 whole weeks, hence, my shown income does not reflect the activity shown.

Is this request for proof of income and list of expenses a common practice at Discover or other creditors or debt collection agencies? Or is this another scare tactic to discourage people to not make lower offers?

Have you heard at all whether WLG or Discover would take payment in the form of credit cards at all or advice on what to do here? The request for that type of detail from a debt collector tends to be when an attorney is involved, and when there is already a court action. The attorney suing for Discover Card has a fair amount of autonomy in there actions, as they are independent from the bank. Getting this information from you can make their case stronger.

It is likely not a Discover policy, but a regular part of developing collection cases by the law firm. This boils down to whether what you send supports your position that they should settle with you. No, you are not over thinking any of this.

You have to be critical of what you do when working something out with a debt collector. Winn Law Group is, at all times, acting in the best interest of Discover, and themselves. You have to cover yourself, or work with an experienced attorney of your own. When I am working files with multiple debts, it is common for me to point out, or coach members to point out, the other debts.

It is a tactic that works better when not in litigation, as that can remove and perceived fear of loss if you do not want my money… I have several creditors behind you that might be happy to have it. Debt collectors have real time access to your credit reports, so they often can see the other debts. Not all attorneys see that and use it as a motivating factor to settle.

Pointing out the debt as what can potentially push you to file bankruptcy should not be a bluff. You really should consider chapter 7 if you qualify. Debt collectors accepting credit card payments requires a merchant account. Winn may not have one, or just has a policy of not accepting settlement payments via credit cards that can be disputed and charged back.

If you use the search box in the upper right, you will find dedicated pages with information and ongoing discussions about each of those remaining creditors you listed. If you are dealing with a debt collector on any of those accounts, search the collectors name too. If I do not cover a creditor, or debt collector yet on the site, use the ask Michael feature at the top of the page and submit a new question.

I can cover that as a new page for other readers too. My husband and I experienced a terrible financial hardship situation while living in California in due mainly to his already fledgling business completely failing when the economic downturn hit.

We had gotten ourselves into heaps of credit card debt trying to keep the business afloat as long as we could which at the time seemed prudent. We left CA in and lived in multiple states trying to figure out a better situation and my husband was out of work for years. We did get offered a settlement for the vehicle that we were driving that we still owed on so we settled on that loan in , but other than that, none of our other creditors seemed to know where we were.

Well, we were still living in CA in but never knew about the court date and were never served! It was from Discover and I have read a lot on your site about how tough they are to deal with.

Now, he has a new job in Florida and we are wondering what to do at this point. We are slowly getting back on our feet but we also have 4 children so it would be very difficult if they took a big chunk of his paycheck every week.

We know we need to deal with it at some point and our Transunion credit report says it will stop reporting this judgment in so if we can get it dealt with by then, then we might be able to get it wiped otherwise they will likely renew it. How should we proceed? Should we attempt this ourselves or hire an attorney in CA? We hope to be able to buy a house at some point in the next few years if we can clean up our credit.

Thanks for any advice you can offer! Actually, you do still have recourse for challenging the suit and trying to get it vacated based on what sounds like sewer service. You will want to consult with an attorney in California about pursuing this path, and will want to consider the costs of doing that.

My guess is that, based on what is owed on the Discover judgment today, you will find it is worth a shot. Florida has some fair head of household wage garnishment protections, so stirring that pot may not be the risk you are thinking. But talk about this angle with the attorney too. I am sending you an email with contact info to an attorney in California that you can talk to about all of this.

He does have experience vacating older judgments. Post an update with how that progresses, and lets go from thereabout a settlement strategy if need be. I have a Discover account with approx. The last payment I made was in April, so the first payment I missed was for May. If I do nothing, the account will hit 30 days late next week. If so, is interest applied to that? Or should I wait to see what else they might eventually offer? I have also paid off a BoA in the last year through payment arrangements, and am working on finishing arrangements with Lowes, as well as Home Depot.

What are the total balances owed as of today across all of your credit cards other than Discover? Also I think I may have made it confusing earlier, not sure.

The arrangements with Lowes and Home Depot are in place, and I have been working on both for about 2 years. Can you afford to pay roughly dollars as a fixed amount each month toward all of the credit card debts?

If you can afford that, call a credit counseling agency and talk to them about consolidating your Discover Card balance in with a plan that includes the other smaller balance accounts.

The smaller balances sound like they are already on some type of hardship plan, so may not be eligible for a DMP, but that stuff is subject to so much change, the best way to find out is to do the session with a counselor over the phone its free , and get to the exact payment reduction approvals. In Discover charged off my debt and turned collection over to attorneys. They took it to court and got a default judgment against me. They then tried to garnish my wages — I have none.

As a result of my health problems I am blind in my left eye and other medical problems so I have been unemployed since and my unemployment stopped in There is little to no chance that anybody would consider hiring me. The other day I received a letter from another attorney attempting to collect on the judgment.

I am hesitant to start all over with another attorney especially when all I have is a letter from them saying they need me to contact them regarding the account. They have given me 30 days to send them a debt validation letter. Ever hear of Discover changing attorneys in mid stream with no notification to me from the attorneys that I have already been working with attempting to get a settlement?

Yes, and it is fairly common for attorneys collecting debt to change over time. When is the last communication you had with the prior attorney? Hello Michael — First and foremost, thank you for such an insightful, thorough, and accurate web site. Second, I am reaching out to your for your feedback on how much you think Discover would accept as a settlement offer relating to: I read the content of your thread with Jay thoroughly to roughly anticipate what Discover would accept: I would like to offer this by writing to them certified mail — Do you think following their suggestion — which is to call them for agreeing on payment arrangements — as mentioned on the letter is ok?

Many thanks in advance for your thoughts. If a card is lost, a person must call the number issued on the back of their EBT card. The card may take up to ten days to be mailed to their address provided on their case. The benefits will automatically be transferred once the card is processed and it is once again active.

Cash benefits may be used to purchase any item at a participating retailer, as well as to obtain cash-back or make a cash withdrawal from a participating ATM. State agencies work with contractors to procure their own EBT systems for delivery of SNAP and other state-administered benefit programs.

For example, recipients apply for their benefits in the usual way, by filling out a form at their local food stamp office or online. Once eligibility and level of benefits have been determined, information is transferred to the state's EBT contractor. Once they are approved for benefits, an account is established in the recipient's name, and their SNAP benefits are deposited electronically in this account each month.

A plastic debit card, similar to a bank card, is issued and a personal identification number PIN is assigned or chosen by the recipient to control access to their account. All states have systems that use magnetic stripe cards and "on-line" authorization of transactions. When paying for groceries, the SNAP customer's card is run through an electronic reader or a point of sale terminal POS , and the recipient enters the secret PIN to access the food stamp account.

Then, electronically, the processor verifies the PIN and the account balance, and sends an authorization or denial back to the retailer.

Eligibility for Food Stamps, or the Supplemental Nutrition Assistance Program (SNAP).