We received a 'Pre-Legal Notification' today,delivered by UPS,2nd day air. The amount listed is $932.65,they want bi-monthly payments of $25.
They state if they don't hear from us or receive a payment "MCM may proceed with forwarding this account to an attorney"
Original creditor is Comenity Bank,on behalf of Lane Bryant, MCM Inc. is current owner/servicer of the account. We live in Ohio,they have the default date listed as 6/6/19.
The debt is my wife's,and I do my very best to pay all of our debts,or keep them in good standing,however; she was diagnosed with a rare disease first week of June '19,and her neurologist has had her off work ever since. I'm on SSDI for a destroyed back,so our ONLY income is the disability I receive once a month.
As you may imagine this has been very taxing to receive this notice,on top of all the every day things to worry about. My wife and her health is my number one concern,she's had 2 cancers,and now this ultra rare brain disorder.
If there is some sort of "what to do now" advice,I would greatly appreciate it. Let me know if there is any other information needed from me. Respectfully, Don