they say its not enough

What is the name of your state? FL
my husband recently had to come off a debt consolidation plan because i am not working at this time. that means he has had to take over all financial responsibility until I find other employment.
as soon as we came off the plan we called all our creditors to let them know what we could afford. it isn't much but it is all we can afford at this time. my question is if we are paying at least something and we did contact them don't they have to accept the payment or the account can be considered closed. we get called every day of the week and sometimes more than once a day.
help!!!!!
ladyhawkefell1

[bigun]

Sorry, but they never have to accept less than the agreed amount.

[JETX]

"if we are paying at least something and we did contact them don't they have to accept the payment or the account can be considered closed."
*** They do not have to accept anything less then the amount due. And there refusal does not waive their right to be repaid.

[Ladynred]

Have you asked about getting on a hardship plan with the creditors ? Its a short-term band-aid, but it might work.

thank you for your input. we have every intent on paying our debts, we just don't make enough money right now, with me not working, to pay the amount they want. i would think that they would be receptive to the fact that we are at least making an effort to pay something rather than just ignoring our responsibility. my husband and i are not irresponsible people, we have just fallen into a financial downfall. one would think that the laws would also be for the consumer in such situations rather than just for the creditor. i'm not angry or anything, just frustated at the fact that all these companies seem to care about it the getting their money. they'll get their money; it will just take a little longer, that's all. however, if they keep adding on late charges, we will never be able to catch them up. we are trying to avoid bankruptcy, but our efforts though they are of small content, don't seem to matter.

we have checked into the hardship programs; they want us to pay more than we can confortable afford right now, and they only last for a short number of payments before the payments go back to the original amount, which is definitely something we cannot afford under the circumstances.

[I AM ALWAYS LIABLE]

Originally posted by ladyhawkefell1
we have checked into the hardship programs; they want us to pay more than we can confortable afford right now, and they only last for a short number of payments before the payments go back to the original amount, which is definitely something we cannot afford under the circumstances.

My response:

You said, "with me not working, to pay the amount they want."

Why aren't you working?

IAAL

[ShyCat]

"they want us to pay more than we can confortable afford right now"....

Who said it should be comfortable? You're in the middle of a financial crisis and you want "comfortable"? A self-inflicted crisis due to bad choices or an unfortunate string of bad luck, doesn't matter. It is what it is, you're in the middle of it, and you have to deal with it straight on instead of looking for an easy way out.

Get a job, any job, while looking for something better. Cut expenses to the bone, such as macaroni and cheese or peanut butter and jelly sandwiches instead of your favorite fast food. Cancel cable/satellite TV, Internet, cell phones, anything that doesn't keep a roof over your head and food on the table.

Sure it will be uncomfortable for awhile, even downright inconvenient, but grownups do what needs to be done. Deal with reality, not wishful thinking. You pay the piper, now or later.... and later costs more, and not just in financial terms.

[I AM ALWAYS LIABLE]

My response:

Goddamnit!!

I was going to say all of that. I was just waiting for some justification - - some assenine reason - - why this deadbeat wasn't working!!

Damn it!

IAAL

[JETX]

Damn, shycat. If you are a woman, I want you to have my children!!
If a man, call Hexy.

[I AM ALWAYS LIABLE]

Originally posted by JETX
Damn, shycat. If you are a woman, I want you to have my children!!
If a man, call Hexy.

My response:

Too, too funny! I love it.

I get so turned on when Shycat writes this way - - so, I'm also hoping that Shycat is a woman. If she has red hair, I'll faint.

IAAL

[ShyCat]

<blush>

Sorry, JETX, can't have any more children... and my husband would probably frown on that anyway. But I appreciate the thought. :^)

IAAL, I've long noted your unwavering interest in red-haired women. Smart man! My hair was never really red, but definitely reddish -- auburn. Now sexily highlighted with gray/white accents. :^)

[JETX]

"Sorry, JETX, can't have any more children."
*** Honest, I will certainly give it my best try!! And if it doesn't happen, I promise to continue trying!!

[Ladynred]

Tsk, tsk, what would MRS. JETX have to say about that !! ??

[JETX]

Originally posted by Ladynred
Tsk, tsk, what would MRS. JETX have to say about that !! ??
***"You mean my wife, Morgan Fairchild!! Yeah, that's the ticket!!"