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New Contributor
Posts: 55
Registered: ‎04-22-2013

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!!!
FICO EQ: 4/22/13: 488 (no excuse) 5/10/13: 497 6/1/13 501 9/6/13: 526 10/29/13: 532
Walmart TU08 5/19/13: 554 09/06/13: 597 10/03/13 600

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