My wife and I keep making good faith payments and each month FIA card services says they are going to send it to charge off but they don't each month its the same thing. I read somewhere online where because bofa took tarp money they are not able to send the accounts that are paying in good faith. So every month they call countless times which I changed all my phone numbers over to my google voice and they are never able to talk to me.

And we owe 50K on a line or credit and 40K on a credit card bills. My is wife has become physically disable due to a heath issue that started in Jan. BofA knows that I've lost my job and she has become disabled. We sold our house and the difference was 177 in a shortsale. So I have a 177k write off because that is how much my house fell in value and and it sold for 160K. None of the credit card bills or the line of credit is in my name its all in my wife's.

They know they can't touch her social security or her money she will get for being disabled and none of the doctors said it would be an issue.

They have called and said, well we will sue you. And what will you take I told them. The car? Honda owns it, the house don't have one, A job I don't have one. Savings I don't have any we will garish your wages the loans and credit are in her name.

I would be really interested in what everyone thinks. They told her that this will be on your credit report for 10 years she will never work again I told them and they get more and more mad that we will not settle and they keep telling her to stop making good faith payments.

Good faith payments are anything you can pay. And this this has been going on for months now and every month they tell me its going to collections either BK or settle the account. But I don't do either I just keep paying my 20 bucks per account and it fends them off for another month. I'm buying time is what I'm doing but after looking at the laws Arizona is a community property state so her debts are mine too. No and ifs or buts about it.

All this talk about debt settlement companies and they have given me one over and over again and I said, no thank you I'll settle with you if I settle with anyone. This just pisses them off to a max and they get down right hostile on the phone. It has to do with the TARP money somehow I just don't know how. But it pisses off BofA to a max we I make these $20.00 payments.

They have said, we will put a lien on your house! I just shortsold the house so I don't own a house anymore we will take your cars, sorry honda owns those and thus you can't have them. We will garish your wages! I was just laid off from my job, you are welcome to call my former place of employment. Well then gives us what little you have! Sorry I need that money for food and shelter and meds for my wife. Then you have to BK, no I really don't I just need to settle debt with you. Well you can't keep doing this forever! Said the collection person. At this point its better to stop talking, know when to shut up. Hang up the phone but silence is a tool they use all the time. People feel they need to fill the space with something, No keep your damn mouth shut! First person who blinks loses.

So something is going on with this for my 4k debt they said they would take $500.00 and I told them I can't only do that but if upon my settlement you sign a document that says all my payments were in good standing and report that to my credit report. Then I'll settle with you and we can both move on, that is where we are now.

I have known other people to get this to work for them. I personally have nothing but time on my hands and looking for work but they need to clear the bad debt. They will not get paid by underwriting on the debt until I bk or they sell it off to someone else. By me paying the little I have they can't or won't sell it to another company.

They need to get this bad debt off of their books by the end of the year so as it gets closer to the end of the year I'll be the deal will get better and better for me.