My client has received late payments on XXXX separate credit cards from XXXX 2015 to XXXX 2015. She has reported to these credit cards companies that she was in the hospital during this period of time involuntary and so she could not pay these credit card monies. She was out of the hospital in XXXX 2015 but for XXXX and XXXX she received late payments fee 's as well due to not being her payee. 
