The most important thing I can advise you to do... the MOST IMPORTANT, is to save every piece of paper they send you. Save every statement. Keep a record of every payment. If your debt gets bought off by another company, save everything THEY send you. If you call and request anything at all, keep a record of when you called and who you spoke to, name and position.

Don't let up on your request either. If they tell you whatever it is should be there in a week, if you haven't recieved it in seven days call and let them know. These companies expect you to not put your hand in, they expect you to simply do what they ask and they will not bow to your requests willingly or easily.

Of course, if you take care of it now, while it's still with the credit company, you should be fine. But if you find yourself in this situation, do all of these things. And don't slack off on it.

You'll save yourself a lot of time, energy and headache. I went through this myself in a process that took years to complete. I paid off my debt twice and the company kept telling me that I didn't. It was only through some advice I recieved from this circle that I was able to discover what I needed to do to get these people to back down. Something I am eternally grateful for.

Keep all this stuff in mind and hopefully you won't find yourself in the same situation I was in.

Really, you should hate credit cards, though I agree with my friend Deb. Money is a pig.=-P
Hope things clear up for you! (and soon)

ugh i hate money too
my engines dead,i need a new one but i have NO money.

stupid money. it ruins everything.