This could go on more than one forum but I figured since I spend most of my time here on this one, here goes....
Okay, we are on the cusp of having a $1000 emergency fund thanks to our tax refund, something we haven't had in more than a decade (savings not the refund!). We started a DMP last month and within 20 days, 13 of the 17 creditors we want to include were "on board" and agreed to the plan. But the other 4 (one a GE account and the other 3 owned by Barclay's) are making our lives miserable. I am getting calls day and night, mostly at home, sometimes at work. They said they didn't receive the proposal. Had DMP company send them again. Said even if they receive a proposal, it will take up to 60 days to process. So, since first entering the DMP and scraping together that huge payment, we have now missed a payment to them (but not yet 30 days late) so late fees have been applied which pushed a couple accounts over the limit which of course means more fees. They say they will continue to call until the accounts are brought current. So, the advice I am looking for: should I take some of the emergency fund and bring these accounts current and hope they will eventually accept our DMP's proposal? Or tow the line and continue to say that all we are paying is what we paid through the DMP (i.e. don't touch that money)? Keep in mind that with the budget set with the DMP, we don't have any extra to put aside and all but one CC is now closed.
I am so pleased that so many of our creditors were even more agreeable than I had even hoped for and yet these two creditors, four accounts, are making this so overwhelming and terrible for us. I dread having someone here when they call and, when I answer, they are so demeaning and rude to me.
Please, please give me some advice!
Filed Chapter 13 April 2012. Case successfully closed May 2017, about 1 month after 60th payment. FAKO scores on close date: TU 695 EQ 697. Received discharge July 11th - took forever! Real EX day of discharge 624.
