XXXX XXXX XX/XX/2015Ten years ago I was XXXX. I used a U.S. Bank credit card to to buy XXXX on line. Before I realized it, I had spent {$5000.00} and owed U.S. Bank {$5000.00} more. What with interest rates and late fees the amount I owed skyrocketed.I got off the XXXX but the debt remained. I was living on an inheritance. I found a job paying $ XXXX/hr. USB wanted their money in the worst way. I could n't keep up with the monthly payments. I have less than bad credit anyway so I decided to stop paying USB ( my only credit card ). Then the letters and phone calls from USB started. I told them I did n't care about my credit so go fly a kite ( I used those words. I am a XXXX man and do not use profanity. ) The harassment continued. I felt bad that I owed the money but had no way to repay it. Finally, 4 years ago USB made a deal with me to pay $ XXXX/mo with no interest. 
Long story short, I have paid down the amount over the years from {$4700.00} to {$1600.00}. I read the article in XXXX about cfpb. I am XXXX years old now and living on XXXX. Is there any way you can help me get that remaining debt canceled or reduced. $ XXXX/mo would be useful to me as I just retired. They want it by the XXXX of each month. I have very few options in this matter. Thank You, XXXX 
