What is the name of your state (only U.S. law)? New York
I am a 21 year old college student. I have had this credit card since high school. I am currently over my limit, the total owed being $886. I work part time as a server, and this past semester I have had to give up many shifts to keep up with my classes and internship. I tried to keep up with it, but after 2 weeks off to transfer home, and the holidays, I have not worked in a while. I begin working this week, but I received a call from a debt collector this morning. This is the first time I've experienced it, and I'm honestly scared. I can pay down the card in a month's time or so, but I am unsure how to proceed from here.
I am a 21 year old college student. I have had this credit card since high school. I am currently over my limit, the total owed being $886. I work part time as a server, and this past semester I have had to give up many shifts to keep up with my classes and internship. I tried to keep up with it, but after 2 weeks off to transfer home, and the holidays, I have not worked in a while. I begin working this week, but I received a call from a debt collector this morning. This is the first time I've experienced it, and I'm honestly scared. I can pay down the card in a month's time or so, but I am unsure how to proceed from here.