HC Processing Center review: scam and fraud! 60

I couldn't agree more! These people are loan sharks at best. I pay all my bills on line and mistakenly paid my bill for the month before it came out. Then, later in the month get a call that my payment was past due. I freaked and sent another payment in that instant. I also figured out what happened with a member of their customer service team. Even though it showed that the payment was there, they jacked my interest rate to %26.99! I asked to speak to a supervisor and explained what happened. She said that she could see what happened but that the payment was still late and I would have to make 12 months of on time payments in order for my interest rate to lower. I told her that my payment was actually early, not late. My payment history shows on time payments and amounts in excess of monthly minimums. She didn't care. I asked to speak to her manager and she refused to even tell me who that would be. Said that there was no body to talk to and that they would change nothing.
Borrower's beware! DO NOT BORROW FROM HCCREDIT!

I agree with you. I bought fitness equipment and returned it within my trial period. Since then I have had nothing but aggreviation. Harrassing phone calls to me and my family members stating they need a payment now. At the time I returned the item they stated all I had to pay for was installation and Icon would cover shipping now they are stating the opposite...If there is a class action lawsuit, definitely let me know.

These guys have been calling my work and my cell phone non-stop for freaking $50 min on a $138 balance for shipping back a treadmill that I returned from ICON before it even got to my house!, the guy on the phone even asked me if I could borrow $50, I was like I can give you a dollar if you want but I can't do it right now. horrible horrible company!

OMG!
I am now just dealing with the same thing. HC has actually
charged me more than the Nautilus bill. Increased my interest and charged me with a late charge when I paid my payment
early. I actually had to contact them to ask where was my
statement/bill so that I wasn't late.
Is there anything that I can do?
The company rep.'s are very nasty and won't let you speak to
a manager/superior.
Anyone have any advise?

They are the rudest group of people I've ever dealt with!

may be our White House should know about these (AS's).

I agree! I used this company to pay for some medical services that I received. I paid all of my bills on time for a year, and when I was down to my last bill (the one that would pay off the account), my check arrived one day late. I sent it out on time, but it didn't get there when it was supposed to have arrived. HC Processing Center charged me for interest for the entire year, and it added $1000 to my bill. Now, I'm still trying to pay things off. I tried to explain what had happened and no one would budge. Don't use this company!

I have an account with HCCprocessing also aND THE INTEREST RATE IS 26.99 PERCENT AND I AM PAYING IT ONLINE AND IT IS ONTIME AND THE INTEREST IS HIGH. I AM TRYING TO PAY IT OFF ALSO AND NOT EASY/

I have had trouble with this company also. I bought a bowflex and paid payments through HC Processing. I had some financial trouble and was late a few times so I understood the late fees but even when I did send the payment on time they would hold the check several days to make sure it was late and again charge me a late fee. I am writing to the Fair Trade Commission to report them and suggest anyone who has a problem to do the same thing. You can get their address and phone number from Google or Ask.com

Today is October 14th, 2008 Tuesday 11:48pm PST USA,
My complaint about HCCredit/HC Processing Center is exactly the same! I purchased a Boxflex Machine back in 2006 at $2, 891.77 and paid MORE THAN THE MINIMUMS EACH MONTH WHENEVER I COULD because I wanted it paid off in alittle more than two years! It started out with minimums of $44.50 for ONE FULL YEAR then suddenly jumped to $88.50 per month!

And in June of this year 2008 there was a weird processing error where the statement from Nautilus said the due date was a day later than the HCCredit online system. . . .this was the only payment which turned up late where I thought that it was Nautilus was the "Money Hungry ###" that did it; SORRY Nautilus. . . .Real Sorry for thinking it was you guys! I photocopied my
Nautilus statement and sent it to HCCredit telling them I was assessed the only late fee of $39 for BOTH THEIR MISTAKES where they denied me a refund! Right after this I setup Automatic payments per month where they TURNED MY $88.50 automatic payments into $90 or $92 per month in automatic minimum monthly payments AND THE INTEREST IS STILL REDICULOUS! Yet the minimums should have stayed at $44.50 per month where I was still planning on paying more than MINIMUMS PER MONTH WHENEVER I COULD much like the rest of you!

Aside from this, I'm glad my brother Chris bought a Nautilus Treadmill of $3K this year from you guys. . . .I was about to tell him not to buy from Nautilus. . . so it was HC Processing that was the HUNGRY ###! SORRY SO MANY TIMES. . . Nautilus!

I think they setup HCCredit.com to help a bunch of "hungry money families" suck free cash dollars any way they could out of all of us descent consumers! They probably made MILLIONS OFF THE HCCREDIT "money deal" . . .or SCAM!

-Jason Paul Marshall, Sacramento, California

HC Processing Center
www.hccredit.com 10/14/2008

Account Information:
Account : 3611990 - Jason P. Marshall
Address : 7790 Laramore Way
Sacramento CA. 95832-

Phone # : [protected] Ext:

Balance Information:
*Current Balance : $1, 501.72 Account is Closed
Credit Limit :
**Available Credit : Click for information about your Available Credit

APR : 21.00 %

Account Detail Information:
Account : 3611990 - Jason P. Marshall
Member Since: 06/06/2006
Last Years Interest: $231.05

Originating Merchant: Bowflex Fitness
Highest Balance: $2, 891.77

Transaction History:

Transaction Date Provider Transaction Type Transaction Amount
2008/10/13 Payment - EFT -$90.00
2008/09/26 * Mo Service Chg-EFT $1.50
2008/09/26 Monthly Interest $32.41
2008/09/12 Payment - EFT -$90.00

(END)

RE: EXTRA INFO FOR BBB Complaint #[protected] HCProcessing, HelpCard, HCCredit, and CIT Bank.‏
From: Jason Marshall (jsnmrsh@msn.com)
Sent: Tue 10/14/08 11:58 PM
To: info@bbbarkansas.org; jsnmrsh@msn.com

TO: info@bbbarkansas.org; jsnmrsh@msn.com
RE: EXTRA INFO FOR BBB Complaint #[protected] HCProcessing, HelpCard, HCCredit, and CIT Bank.
RE: ADDITONAL INFORMATION FOR
COMPLAINT ACTIVITY REPORT Case # [protected] Better Business Bureau of Arkansas, Inc

Consumer Info: Marshall, Jason Business Info: HC Processing Center
372 Florin Road #263 P.O. Box 829
Sacramento, CA 95831 Springdale, AR [protected]
[protected]-[protected] ext 1202
Location Involved: (Same as above)
Consumer's Original Complaint :
SEE Similar Complaints about this:

HCCredit, HCProcessing Center, Help Card, etc.

COMPLAINT: Excessive charges, bogus late fees, and increases in minimum payments for consumers who pay AVIDLY and above the MINIMUMS.

ADDITIONAL INFORMATION TO ADD:

The minimum payments on my account #[protected] with HCCredit/HCProcessing/HelpCard were $42 dollars from 6/16/2006 until 7/24/2007 when they
changed minimum payments to $88.50. This happened just before my 8/10/2007 statement announcing that

"IMPORTANT NOTICE: Your account has been assigned to CIT Bank of Utah. Your account will be governed by the laws of the state of Utah."

And as with the rest of the consumers, I was monitoring my progress of paying off my account using the available credit amount:

>08/10/07 Available Credit $ 284.14 Previous Balance $ 2758.34 Credit Limit $ 3000.00 Finance Charge $ 43.52
>THERE WAS JUST THE ONE MISTAKE ON June 3rd, 2008 WHERE THE ONLINE SYSTEM SAID Delinquent On: June 2nd, 2008 AND
MY Nautilus Billing Statement SAID Delinquent On: June 3rd, 2008. I SENT COMPLAINT WHERE THEY HELD TO THEIR $39 DELINQUENCY
CHARGE MADE ON June 3rd, 2003. THIS IS WHEN I SETUP AUTOMATIC PAYMENTS WHICH CHANGED MY MINIMUM FROM $88.50 to $90.00.
>06/13/08 Available Credit $ 1255.44 Previous Balance $ 1787.80 Credit Limit $ 3000.00 Finance Charge $ 35.56
>ONLINE SYSTEM SAID Account Placed on HOLD July 2, 2008
>08/08/08 Available Credit $ 0.00 Previous Balance $ 1744.86 Credit Limit $ 3000.00 Finance Charge $ 41.53
>ONLINE SYSTEM SAID Account was Closed on Sep 30, 2008
>TODAY 10/15/08 ONLINE SYSTEM LISTS NO CREDIT LIMIT NOR ANY AVAILABLE CREDIT BECAUSE BANK CLOSED THE ACCOUNT!
Balance Information:
*Current Balance : $1, 501.72 Account is Closed
Credit Limit :
**Available Credit : Click for information about your Available Credit

But aside from this it looks like there's been no change from this new CIT Bank of Utah!

-Jason Paul Marshall
jsnmrsh@msn.com
[protected]

I agree with every single one of these comments made against HC Processing Center. Purchasing equipment with an account opened with this company was the biggest mistake that I have ever made in my life. It is as if they set their customers up for failure. Whether it be by jacking up the interest rate, or charging erroneous late fees, they have scammed enough people already. I can only imagine what we can expect from this new bank that took over.

I am curentaly going through the same thing they said my second payment on my bowfiexs was late even though i know it wasent and i even paid exter and they raised my payment from 34 dollors to 74 dollors this company sucks i have told everyone i know never to buy anything from bowflex/nautilus due to the company they finance through

These B@$t@rds are horrible. I found out that they didn't take my web payment like they have been for 1 full year so I immediately sent double the payment and made a call. The lady said she couldn't help me because my account was on hold. So I called back today and asked that the Intrest Charges be taken off and I was told she could not do that as a payment was late. So I hung up and got someone names Chris. I asked for a supervisor again and he said I am one. So I told him how I made the web payments for over 1 year now and never had a problem. I don't understand what had happened but the last months payment did not go through. I asked if anything could be done about the 500+ dollars I just got charged. He said "We are very strict on promotions and nothing can be done"

as if our country is not in bad enough shape they don't want to work with their customers and want to put them further into debt and bad times? I wish I had known this before because I would have NEVER loaned from them.

I have to agree with the people above. They are 100% scam artist. I used bill pay by my bank and they have documentation that it was delivered on the due date. They said we did not recieve it till 3 days later. The bank said we have proof it was delivered into your account on the due date, they did not care and Since I was on a 12 no interest and makeing 170.00 payments for 9 months on time, After 6 months they closed my account. Then realized that they were not going to make any money off of me. So they nailed me with a 39.00 late fee and over 200.00 in interest.
CROOKS, CROOKS, CROOKS.
I would never recommend using this company, and I hope they go Bankrupt and all the worthless people that work there loose there job and have to learn about customer service

How I feel about HCProcessing is the same as everyone else. First of all, their customer representives are very nasty to the customers. I paid them (HC Processing) and they held the payment so it would be posted late. They do this so they can tack on a $39.00 late fee. Then when I paid the late fee, they now wants to add on another late fee. For what, I don't know. This is a company that seems to be scaming innocent people out their money. My advice, don't do business with HC Processing. Like the last person wrote, CROOKS!CROOKS!CROOKS!CROOKS!

STAY AWAY FROM THESE ROBBERS!

Don't ever give these people your info they said I owed them and I din't this is a total scam and something needs to be done! They gave my cousins address as mine and called every number they could find to try to say I owed them money and I never ordered anything from them they make up address to give to say who goy the stuff! I never recieved anything and they made me think someone in my family got something on me it was truly a lie! Even send bills, called ect. Please never give any info to these guys! They call and try to get info from you to get your credit file! This is sad it has been 5 years and they are still sending letters and calls to me. But I am not paying for what I don't have and no one in my family has anything like this this is a hospital bed what would we want with that?

This is the most stupid company ever! I am not going to pay for something I don't have! They will say you have something and you don't and give your relatives info which they got off of the interent this is a scam and beware these people will make you believe this and this is not a valaid company! This needs to be stopped! I truly think that these people think we are nuts they said my sister had a hospital bed in my name this is not true! They gave a list of address and phone numbers of my relative and said they had it I told them go get it if they did and they said no wanted me to file a police report for this and why would I waste my time on this when I don't have anything it has been over 8 years and still they bother me about it!

My husband purchased a bowflex from Natalius, it went thru HC Processing. We were supposed to pay $29 per month. I was late by one day making a payment and they up are interest rate and are now billing us $61.00 per month. They have horrible customer service, just told us to read the fine print - that is were it states that if you miss a payment they jackup the interest rate and too bad so sad basically. Were are not happy, contacted Nataluis and told them to come and get there machine. Cathy Horner - Vancouver, Washington

I called customer service cause I had made a check payment online... and it was an incomplete check number or something like that and it said for a WEEK that the check was proceessed. then I check it again and I have a late fee! I called and spoke to a MARIA that basically said it my fault ( and the funny thing is this is like the 3rd time its happened and I DOUBLE CHECK my info I put in there) finally she said they would reverse the charge and ohh a month later its still there! You call customer sercvice and get put on hold for hours cause they are soo busy! There customer service sucks, there intrest charges are rediculious and they charge it however they want with no rhyme or reason NO wonder they went out of buisness! Now they are trying to make all there money with late charges and denying payments!

We need to get a LAW SUITE going They need to know we are not going to take it no more. I send in my payments on time. But last month they say I was late they chaged the due date from the 01-30-2009 to 01-29-2009 and now I next month payment is due on the 03-05-2009 and on the same day it will be late too.
if any one wants in on this LAW SUITE you can e-mail me at goodoldmen@msn.com

I cannot believe the gall of this company. I spoke to them because I did not understand why I am getting a $39 late charge every month when I pay the bill early.
I was told that Because the day I made the payment did not fall within the billing cycle, it was considered late. Me: So you telling me, I can't pay my bill early?
She: It's not that type of account. It's not like a credit card or car loan
WTH? Since when can't you pay a bill early. we have been paying for over 6 mos and the balance isn't going down. So I closed the account and will pay it out in 2 payments to get rid of this company.
But I am also reporting the to the Better BUsiness Bureau and my states attorney general

Frustrated in Baltimore

I used to work for this company. It is nothing other than legal loan sharking. The accounts are setup so that the customers billing cycle is something ridiculous, like between the 3rd Thursday of every month or something. Of course, the customer isn't made aware of the billing cycle, so the likliehood of missing a payment is greatly increased. Almost all accounts are promos, or promotional offers, which means you get a no interest loan for say the first 3 months to a year, but if you ever pay even one day late, or have any remaining balance at the end of your promo, you get the entire wad of interest tacked on. And the payments always had a weird way of being late at least once. I talked to people, many of them elderly people buying Craftmatic or Select Comfort beds, whos account balance would jump from 500.00 to 2500.00 in a month, just because of a payment received one day late. I am not saying HC holds onto payments until they're late, but they just bank on the idea that most folks will be late at least once. And the website payments are a joke, don't ever use their website. Archaic, convoluted, 3rd party website that is down half the time. In a nutshell, they prey on what our supervisor liked to call the 'Non Credit Savvy Customer'. If hes still there, ask for him by name. Paul Dickard - and if its any consolation, last I heard, they've gone through massive layoffs, something like 75%. Predatory, subprime lending at its best - thats the HelpCard. aka HC Processing. aka Dent-A-Med.

Now the hosers are spamming people's email! that's low. and you can't reply to tell them to f*** off! that's even lower. I hope anyone considering their services will find out how they are FIRST!
b.t.w. you can't borrow your way out of debt.

I thought I was the only one getting scamed from this company not even one day late and the interest rate jumped to 26% .Not to even mention the level of harassment. Don't use this compay they are a rippoff preying on people that need medical credit. They should be put out of business.

I could not agree more with all of this. These people are crazy! I wrote out the correct payment on my check and I accidently left a number off on the line you write out the letters of the amount and they didn't bother to call me or let me know, they just jacked my interest rate up and would not do anything about it. It was an honest mistake and most companies would do everything in there power to help the customers. I called and got a complete payoff and sent it in BEFORE the due date and a month later I got another bill in the mail from these people for a finance charge and the said they could't do anything about that. I can't believe any company would use them to handle financing. That makes Tempurpedic look bad as a company. HC Proccesing is not the route you want to go for anything. They are out for one thing and one thing only, as much of your money as they can get! DO NOT USE THEM! I have never in my life been treated this way by any company I have ever dealt with!

THIS COMPANY IS A SCAM! After reading all of these blogs I can't believe what there doing! They won't give me a supervisor, the customer service rep. named Brent hung up on me was nasty, and told me No I can't talk to a supervisor. This is the worst company ever to deal with! They are charging me for fees stating I'm late, raised my APR to 25.24% without a notice, just raised it. I need action and I need it now. Who can I complain to? Should we even let Nordictrack know what kind of company they do business with? Somebody please offer me some advice?

M. Klein

If you would like to participate in a class action suit against HC Processing Center for deceptive trade practices, predatory lending, illegal collection activies, etc., please contact me at StopHCProcessing@gmail.com

I agree with all of the comments! This company was HORRIBLE to deal with! I had a 6-month no interest plan and was paying extra each month so as not to incur interest. Well, one of my payments reached them early and they applied it incorrectly. So now they have charged me interest on the entire amount and won't remove it. They are incredibly un-helpful! They make it seem like it's totally your fault when it's not. Defnitely think twice before using this company!

I filed a complaint with the Arkansas Attorney General's Office and I encourage everyone to do the same. This is the only way anything will be done.

Attorney General of Arkansas
Dustin McDaniel
323 Center Street, Suite 200
Little Rock, Arkansas 72201

Everyone that has been affected by this horrible company needs to file a complaint with the Federal Trade Commission and write to the corporate offices of Nautilus. They need to know how this company is handling their product. It is shameless how they manipulate your account to create late fees and raise your interest rates. Do not trust them for a second. You should also file a complaint with your better business bureau and the District Attorneys Office in Arizona. They have this crazy Central Time Zone that they use to regulate their payments and they are located in Arizona? Arizona is on Mountain Standard Time, which right now, is the same as ours in California. I have been trying since early this morning to post a payment on their website and it will not take it. I finally had to call and make it over the telephone and they wanted to charge me a fee. BECAUSE I COULD NOT GET THEIR WEBSITE TO TAKE MY PAYMENT. These thieves need to be stopped. Please, everyone, write those agencies I have listed above and make your voice heard.

Los Angeles, CA

Here is my complaint I made with the BBB of Arkansas last month:
Acct #418XXXX-0 incurred delinquency fee of $39.00 dated 8/10/09 when payment was mailed on 8/3/09 with a due date of 8/9/09 (Sunday). I was told by Rep. Lydia that delinquency charge would not be removed from my account even though I mailed payment a week in advance and my due date fell on a Sunday. I am being unfairly penalized for either delayed mail delivery or delayed payment processing - both situations beyond my control. Lydia also informed me that if I chose to pay by mail there was no guarantee that this would not happen again since I would always be penalized if payment received late even if it is a situation beyond my control. Why offer a pay-by-mail option to customers if they have to bear the burden of financial penalty due to some one else's mistake or delay? Lydia says the only way I could avoid delinquency fees is to pay on-line. What happens if I do not own a computer? Seems like not all customers treated under the same policies and practices that should be standard. Lydia also mentioned that lockbox where payment goes does not keep post-marked envelope to prove mailed date and that also seems unfair since I am the one with the burden of proof and I am the one being held accountable. The company can choose to not process my payment on time and discard supporting documentation that the payment was mailed on time and the consumer has to "good faith" that this did not occur? And at the same time the company does not have to have "good faith" that the consumer mailed their payment on time? This is a clear case of a "one-way" contract that is seemingly illegal & a nonetheless unethical business practice.

This is the response form HC Processing Center:
Our company is in receipt of your correspondence dated August 31 on behalf of Ms. Dever in which Ms. Dever alluded to the United States Postal Service's or our ''delay'' in processing her August payment. To be clear on that point, our processing of Ms. Dever's payment was only delayed by the length of time it took said payment to reach us through the mail.
Our payments are received at a bank lock box and processed by the bank; the bank has nothing to gain and much to lose by delaying deposits. Since Ms. Dever did not provide it, we assume she has no proof that she mailed her payment in time for it to reach us by her due date. If not, her assumption that HC Processing Center caused the alleged processing delay is both unfounded and unjust. Enclosed is a copy of the check in question that was mailed to our bank lock box, not our office, and was received and posted on August 11. Again, the bank has every reason for depositing checks as quickly as possible and no reason to ''hold'' them. The copy of our lock box printout shows the date the bank received and posted Ms. Dever's payment.
Please understand, in large part because the US Postal Service tends to be erratic, we offer alternative methods by which our cardholders can submit payments. Each statement sent to our cardholders have instructions for these Payment Options printed on the back, including automatic drafts, payment by phone (24/7), and payment via the Internet. The instructions for paying by telephone are also repeated on the front of each statement.
In summary, Ms. Dever was well advised of her due date and the consequences of failing to pay as agreed; however, it was her choice to send her payment through the mail. Nevertheless, we have chosen to write off the delinquency charge as a one-time courtesy to our customer. Our actions in regard to this complaint should in no way be construed as an admission of wrong on our part, but instead were taken in an attempt to maintain a positive relationship with Ms. Dever.
Please feel free to contact me should you need further information.
Sincerely,
Mark Robertson
Manager, Correspondence & Disputes
[protected]

These guys are a bunch of shysters!

HC PROCESSING IS THE BIGGEST RIP OFF CREDIT COMPANY IN THE USA. LATE CHARGES 39.00, 29.00 TO SET-UP EFT, 14.95 TO DO PAYMENT BY PHONE, ORIGINAL CHARGE WAS 1394.00 PAID WELL OVER 1500.00 IN FEE'S. THE ONLY WAY OUT IS TO JUST PAY OFF BALANCE. AG, BBB, FTC, JUST A WASTE OF TIME. IT DOESN'T TAKE ROCKET SCIENCE TO FIGURE OUT THEY ARE A BUNCH OF ### SCAMMERS. THE AG, BBB, FTC SHOULD HAVE ALREADY TAKEN THIS CREDIT COMPANY DOWN.
NC
BAILEYVILLE, MAINE

I bought a Bowflew and was supose to pay $ 20.00 a month. But from the very beginning I paid 35.oo a month. At first I did get a bill and they kept changing the due date. Then all of a sudden I didn't get any more bills send to me but I kept on sending the $35.00.
Then they send collections on me . Calling my Brother up at work and bothering him.
I had enough and wanted them to take the Bowflex back. They told me I could send it back but I would still owe the money. I bought that thing in 2004 and they say I still owe $1.800.00. I have paid off 3 other bills for different things at about the same montly 35-50 dollors and am finished paying them with no proplems what so ever. I believe this is a scam from them. I it not right. By not sending out bills and always changing the due dates you end up in a never ending late fee circle. All I have been doing is paying late fees. The add in TV that says it is so affordable is the first hook. That is why I bought it.
$20.00 a month OH I CAN AFFORD THAT. Bull cause now it looks like I am going to pay 35.00 to them for the rest of my life. I do not have the money to pay what they still want from me. And I DO NOT understand why they get away with this!

Somehow these people got a hold of my information and started charging me. This is a juice loan; it will never be paid in full if I make monthly payments. I don't understand why someone doesn't do something about then.

Whatever you do, don't get involved with these people. They suck the life out of you.

I financed a bed through these guys made my payments and my monthly balance kept going up. I was given incorrect information regarding payment processing and posting. They are a rip off and their customer service is sub-par at best. They also engage in illegal collection practices, like calling at my place of employment after the payment has been made. Avoid them at all costs.

I am not a customer of theirs but get this...They called me looking for my neighbor that lives across the street and 2 doors down! I wouldn't give them any information but why call me to get them a message! I cannot believe that. I took her information but I am not going to give it to my neighbor as it is none of my business and I am still in shock that they would call neighbors around this couple to get information!

i am using it also and bought a craftmatic bed and i am still paying them and my payments are 103.00 a month and i have been paying them on time also. They had the nerve to charge me a late fee so i called them and told them I did pay you on the due but they didn't receive until the next and it is electronis payments. I know the interest rate is hight also and is 25.99% and that is way to high. It is almost like a preditory lender. Please be careful when you borrow. I would of not bought the craftmatic bed but i did because a salesman came from NH and i felt i was con into it. I told him i could not afford it and he said we can get you a loan. I would never do that again. From, pam in lynn, mass

I have experience many of the same experiences as many of these same people. I bought a mattress only for $2200.00 grand total and this company had me pay off the interest first, I agreed to pay off my bill in incurments of $500.00 and the bill should have been paid off in one year, so I would have advoided all that interest, but I got railroaded into this and lost my teaching job and fell behind a fews times. I have paid double the amount and still owe $2000.00. I feel like I am never going to get out of this what does one do, it has ruin my credit all over again. My name is not important but I think everyone should know this company is ripping people off big time.

I agree, I have been paying on my Sleep Number bed for 2 1/2 yrs and my balance has only gone down $20 from my original purchase amount. I've decided that I'm declaring bankruptcy, mostly in part of this credit account. I even tried to take out loan with my bank to get out of it and they wouldn't give me one because the loan amount was too high for them to offer a signature loan for, they told me to pay down 1/2 the balance on my own and they would loan me the rest... well I can't even manage to make a dent... I'm not paying on this account anymore!