If you ever even think about joining Chase or using their credit card, do yourself a favor and just kill yourself right on the spot. It will be less painful for you in the long run.
So, I finally got through to them obviously. A woman with a Southern accent faking sympathy (which I really don't want; I just wanted to work out a payment, not hear I'm sorry every other sentence) named Sharon is the woman I spoke with. She's part of the settlement department. Of course, anyone with a Southern accent is usually fake and sweet to you and bitchy behind your back. I'm from the South and all my family lives there. I know the game of Southern "Hospitality." More like Southern Bullshit.
I called and explained my situation, I told her how much I make exactly what is in my bank account, what I could be expecting to get and asked if I could work out a plan similar to what I did with Capital One. Basically, she told me NO. (after a string of fake "I'm sorry, but the way our system works....." "I"m sorry, but with the way Chase is set up....." "I'm sorry, but"...... You know what? I'm sorry, but fuck you, Sharon. Fuck you, Chase. )
The only thing I could do was make a lump sum payment of $2,840 right there. Never mind that I only have $500 in my accounts ( I did make my Capital One payment by the way). So, apparently, now the Chase credit card with a balance of $3,340.54 is in settlement waiting to go to an outside agency. I'm not sure if she was using this as a threat, though. I mean, seriously? An outside agency still after I just called and tried to work something out? Sure, I haven't paid it in four months, but I was paying it consistently through the debt consolidation up until I became unemployed and they so graciously dropped me from the program.
So, Capital One can work out a plan, but Chase is unable to? Chase was the bank I ACTUALLY BANKED WITH!!!! I never even banked with Capital One and they're more willing to work with me?!
My favorite part was when she suggested for me to draw from my 401K. Yeah, because backwaits have 401Ks. And, see, this was the point where Capital One was willing to work with me based around my income. Chase is NOT.
Anyway, at this point, I really don't know what to do. I might seriously have to seek out a bankruptcy lawyer, though I'm hoping not because in the end the fees would probably equal up the lump sum and if I could get a due by date or just pay it in four little chunks, then we could probably be done with it.
Oh, but Sharon said even if I did go into a payment agreement with her and make chunk payments with the way Chase's system works, apparently I could still be sent to an outside agency even while making the payments. Unless I pay the lump sum. What the fuck? How messed up is that? Forgive me, Chase, for trying. Funny, I'm just as behind on Capital One's credit payments yet they could work with me and I never banked with them or paid fees outta my ass to them. What the fuck ever. May Sharon have her car break down and die, become unemployed, and get medically discharged from the military all in the same year. Oh, yeah, and have an alcoholic mother to put up with to boot. I don't expect her/Chase to feel bad for me, but I DO expect them to WORK with me. It's not rocket science, people.
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