Zero Percent Business Credit Cards

I had the highest rating for more than 20 years.

My son fell ill and died.

I got sick of seeing the hospital bills every day so I took a loan and paid them. I was literally sick with diabetes. I ended up sleeping so I could not even walk. I had no health insurance.

I got a lot better with my health, but at 50 years I still do not have much going for me as I did at 25 years.

So I went into my own business because I need to have control of what I work. Yet I could not pay my bills so I started to borrow from credit card checks.

In January one of the cards was zero percent would start charging me a percentage rate. They said it would begin in late January, but they started it in mid-January

Then they did not send me a bill until it was due ... I know it's my fault, but being sick, it's really hard to get everything together and now I need help knowing what to do.

So, I was charged a late fee and then they said my rate went up to 27.00% This is me overwhelming. I feel cheated and after I stopped paying thousands of pay, except for $ 10 a month, I am so confused because this subject and did not want to lose everything, because I have more money to pay these crooks.

I have another card I started to use and the limit was about $ 8,000. I am only one close to the maximum. Then I went to visit my son and put a couple of thousand dollars on the card so that I can use it to pay for airfare and car rental.

When I went for the car rental man and she slipped it refused. My husband offered cash, but they would not take it. Then I went away from the house of my son while he was at work, without renting a car ... The credit card co. decreased the amount I could borrow from me to pay more than $ 2,000 a month. They left me stranded and knows a diabetic and how you can not bring peanut butter and other food on airplanes know I was really sick.

I needed the rental car, so I took a shuttle to the house of my son and the next day, called the credit card co. They said they checked my credit report and saw that I did not pay the other co. I told them I had never ever been before not to pay, etc. They do not care. I begged them to help me while I was visiting my son because I did not want to burden him with my problems. No, they did not care.

Them I said that if they do not help me now I do not care if I have even paid back ... That's all I could think about having some influence.

Now there are creative solutions to my problem? I have a mortgage and equity that I could pay, but credit card companies are predatory me so I'm not sure if I need to go bankrupt or simply cease to pay up I can do on a firmer basis. What is the best way to handle this?

Why are they crooks? you spent their money, now they do not repay it with interest that you agreed.
you said you went into business for yourself. your customers to call you a crook because you want them to pay you?
when they tell you all their problems to know why they did not pay you do you just say, oh I understand you do not have to pay me.

You did a lot of bad choices and are now paying the penalties. Payer, cancel your credit cards, and use debit cards from now on. You accumulated debt, now that you have to live within your means.

No excuses. Your fault you made havoc with your own credit.

Not trying to be mean, but you accept the terms and conditions if you accept credit cards if the person you have to blame is looking back at you from the mirror.

And your not taking advantage of everything they do i.