I don't know how to advise you on what to do.
But this does highlight the need to set up minimum payment auto pay to cover situations just like this.
Good luck with however you proceed.
Starting Score Jan 2020: EQ: 743 TU: 694 EX: 666
Have you been in touch with the lenders to explain the situation? I assume your hardship is well-documented - and lenders are practicing leniancy due to Covid -- I'd start by reaching out to the Executive Offices, in writing if possible (email should suffice) and providing whatever documentation you have to support your situation.
I'm sorry this has happened and the ongoing drama; but, on the upside, very happy you are well, health wise.
Go by the hospital and get your entire chart from medical records. Dont know how Spain works compared to the US. You are entitled to get copies of your entire chart. Along with whoever or wherever you were help up at. Send it all in explaining you were a poss Covid19 and was cut off from leaving where you were at. But they could come back and say you could have called us or if you had a laptop with you. You could have paid us. Could go either way. Good Luck.
I'd also request documentation from your employer (on letterhead) to support your case along with the MRs as your creditors would have your employer on file. Stress Stress Stress your hotel quarantine in Europe and the stress of being overseas with the emotional stress of possibility being diagnosed, away from home. I'd also note that when things returned to so called "normal" for you, you caught everything up, which is sooner than many of the extensions allowed for creditors due to the health crisis. Plead, all pride aside. Not sure if this is permitted on the forums and this is a little different as it's a judgement call, but when I've dealt with facts I've always cc:d my state representative.
Nothing compared to your experience but my car was totaled (while parked) by a commercial truck. I filed the report, did everything I was supposed to do and didn't want to go through my Insurance. I couldn't get the trucking company's insurance to return a call for 3 months. I paid for my rental during this period. I finally wrote a letter to the company, cc:d my state representative and insurance commissioner and stressed how I "could have died" as I was parked legally sitting in the car eating my lunch. In less than a week I received a certified check for the loss and a few weeks later (not sure how they found out) I was refunded my rental car fee. Just to say, the power of a true story and including some of the right people might make a difference with your creditors. Key word "might".
Wishing you well and much success.
