creditors

creditors

I have a question for some of you that are experienced with having creditors on your butt. I got a Home Depot credit card back in 2006 which had a $500 limit. Once I lost my job in late 2007 I started using it for stuff for my home and I basically didn't pay the bill. While I understand that that was completely irresponible I also spent it on things I really needed {I.E. Papertowels, Toilet paper} things I couldn't afford at the time. I just recently got a job {it's a temp job that ends at the end of this month} and the Creditors are starting to ring my bell about the Home Depot Card, I now owe 798.98 on the card with late fees, etc. Tonight a creditor called that topped them all. When I was trying to explain to him that I did want to settle outside of court {he said they were suing me}, He said that I had a bad attitude and I CLEARLY wanted to be sued. He proceeded to talk so down to me that I started to cry and my husband took the phone. my husband is a very nice guy never gets angry. This man started telling my husband after my husband tried to POLITELY explain that we were going to pay the bill when we got the money to SHUT HIS MOUTH. This guy even called him SON and stuff very disrespectful and when my Husband asked how we would send them the money the guy said they only settle over the phone? Does any of this sound right or make sense? I'm at my wits end and I really don't want to be sued.
Its an addiction

Its an addiction

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