First of all I did not charge this amount. My credit card limit was no where near that amount. I had used the card about 3 times cause about the 4th time when i was going to use it i couldnt find it. I dont remember how long it had been missing. I had went home and called card up and told them it had been missing. They told me I had to write a letter and explain what happed. So I did i thought everything was alright because didnt hear from them until now. there is no way i can pay this amount i am a stay at home mom. Husband is the only income we have. Card was in my name only. How will this affect him. I have no where near the amount they are asking for to even try to settle. We have one income 3 children I cant do it. My husband can not afford to pay this amount for me. please what do i do................
Additional Details
The account for the card was opened in 2003. I found out in 2004 that card was missing lost not sure what to call it. Well i did write a letter to company. I think i wrote about 4 different letters. But the only thing is they said they never recieved any letters. I had all the dates I had called written down, copies of all the letters, I had dates and statements. I am in california and it rained here really hard for days well my yard my garage flooded.
Lucky it had stopped because it had already started coming in under doorway into the house. well getting to the point all my paperwork gone. everthing was wet you couldnt make out anything on any of the papers. I even tried calling up the credit card company to see if they would send me copies of statement of all charges made with the card. And they told me they could not do that. they have no control of the account any more they sold it to another company. I dont remember the dates I have no proof of anything. There word or mine. HELP!