Well, yesterday I received a letter in the mail. And not a very friendly one, either. In a previous post I explained how I haven't been at work in over a month due to my major depression. So, right now I am completely broke, not even a dollar since my bank took out my last one, along with 12 more to cover my "monthly service fee." Anyhow, the letter was in regards to my credit card. I have not been making my minimum payment due to financial trouble, lack of work and money. They had contacted me several times and I told them I would make the payment as soon as I could. Well, things happened, depression got worse, funds got less and less and here we are now..

The letter stated that my credit card owing $2,850 must be paid in full within 10 days of the letter. I received the letter just yesterday and it was dated January 29th. They made it sound very serious and threatening, claiming that they will be sending it to a collection agency if unpaid. Which wouldn't be the first time they've done this, either. In late November I had $250 removed from my account without any warning or knowledge. When I do go back to work week I have a couple paychecks waiting for me there however, I am afraid to place them into my bank account because I simply CANNOT afford to pay them that amount right now. My phone has been disconnected so I can't call them either, let alone pay that $200 bill. The money I will be reciting is nowhere near enough to cover the credit card, maybe just to cover my phone bill and possibly get a few groceries, none of which I have in my home right now.

I'm wondering if possibly, just for now if I can go open another checking account elsewhere without being denied. Will the collection agency find out and take money from that account too if successful? Or will that bank simply do a credit check, see the results and deny me as well. To my surprise I didn't even break down and cry when I got the letter. I just ripped it up and pieces and threw it out. I do not know what to do. Also, the last time I talked to my bank about my credit card payment over the phone, the lady was SEVERELY rude and I wanted to cry and was hyperventilating by the time I got off the phone. I literally feel like I was being verbally bullied over the phone. So, nearly 3 grand in debt, I am deeply depressed, my life is nowhere near stable and I just feel completely and utterly lost at this point. To top it all off I'm only 21. Any advice?