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Posts: 57
Registered: ‎04-22-2013
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I need advice for dealing with Walmart(GE Capital/NCO) for past due cc bump

[ Edited ]
I have a walmart credit card that is over 120 past due, but has not been charged off. I don't have enough money to pay the past due amount, but I pay enough to keep it from being charged off. Overtime I call Walmart/GE Capital they refer me to NCO. NCO is not willing to work with me and keep telling me I must pay the past due amount to be considered for the hardship program/and or to get GE Capital to review my account and reset my minimum payment from the past due to my normal minimum due.  Also Walmart/GE Capital are still reporting my debt not NCO
So here is my question...
What should I do?
1. NCO has sent a mail offer to make a settlement. I owe about $1000 and they are willing to settle for about $300.
2. My past due is about  $300 I can afford to pay about $100/month to keep it from charging off but never catch up my past due amount.
3. Other options?
Any advice would help!!!
Starting Over (Again) Wish me luck!
Credit Karma:TU 516 EQ 510 05/27/16

June Goals:
1. Set up arrangements for all outstanding debt to pay down or avoid legal action.
2. GW daily.
3. Work on removing judgment.

July Goals:
1. Open Secured Card with USAA.
2. Continue to GW Daily.
3. Letters to paid in full charged off accounts.

But what if I fall?
Oh but dear, what if you fly?

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