My husband was unemployed for two and a half years. I was unable to pay credit card bills at the time. Paying mortgage and providing food for my family was the priority. I offered to make payment arrangements but, what they were requesting was in excess of {$200.00} per month which I explained was n't affordable as I was the only one working in a household of XXXX people. This company sought legal action, put a lien on my house and froze my bank account. They debited amounts of a little over XXXX and XXXX XXXX dollars on two occasions and put a freeze on the same amount twice. I had to go to the bank on several occasions and take time off of work to resolve this error over the course of more than one week. The funds they debited were my mortgage funds which put me further in arrears and caused me extreme financial hardship. I contacted them regarding a settlement on a few occasions and they refuse stating since they have a lien on my house so they do n't have to make a settlement arrangement. They are also unwilling to set up a reasonable payment arrangement. I am going to be out of work soon as my company lost their contract and I explained this to them. They are unrelenting and uncooperative. 
