Had this card since 2001, lost my job at the end of 2002 here in SF and was out of work for over a year. In the mean time I signed up all of my Credit Cards with a Consumer Debt Counselor so that I can consolidate and pay off... All accepted except Aspire and I tried for months for them to accept payment plan through the Debt Counselor. My credit limit was $2500.00 in the mean time while I was paying them here and there at times over 300.00... amount owed never went down rather increased. By 2006 they started calling me at my Job 10-14 times a day, home and everywhere. Very embarrasing, they were out of control. Finally I begged the Credit Counseling people to plead on my behalf to accept a payment offer. In 2006 they accepted and now I pay them $112.00 every month.
Now I feel like I was screwed. On my credit report it is reported as a Charge off, just looks really bad... don't know what that means. I just signed up with FICO just a week ago, and I am hoping for any advise...
The debt went from $2500.00 all the way to $5800.00 and now $4100.00 but in over all they are paid well over $4000.00 since end of 2002. I don't want to pay anymore, I feel like I paid my dues. If they would have accepted payment plans they would have been long paid. Please any advise on how I should approach this??
All my other credit cards about five of them are paid off..
HELP, HELP