What can I do if I cannot afford to pay my credit card debt?
Dear Senior Legal Line:
I have a credit card that I cannot pay. I owe approximately $3,000 on it. I used the credit card to pay off some medical debts and buy some other things that I needed. I had been paying the minimum balance payments but had to stop a few months ago because my living expenses increased. I needed all of my Social Security income to pay for my living expenses such as food, rent, and medicine. Now a collection agency has been calling me everyday demanding payment. Is there any way that I can make them stop contacting me? I tell them that I just cannot afford to pay the debt but that does not stop them from calling.