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Posted by shelly (136.181.195.25) on January 15, 2003 at 14:18:50:

Hi everyone.
I am hoping someone can help.
My 3,000.00 debt with Emerge (formerly Providian)is due to charge of today. I simply have not had the minimum amount they are requiring to prevent this from happening. I did intend on paying at least half of the debt with my income tax return. My biggest worry is that they will garnish my wages. I am a single mother living paycheck to paycheck in Michigan. If the account charges off today but I make that large pymt with tax $ in February, do you think it will be too late? Also, with a charge off will there be any hope at all for me getting any type of credit again in the next 7 -10 years?
Thank you
Shelly


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