NCO problem

by Jen
(Ontario)

I was sent a letter about debt on my credit card. I owe around $8000, I have paid every month but not the full minimum. Instead the credit card company puts me down at delinquent in payment. They told me it would be paid in full if I gave them $4000. I said again I can only pay a certain amount a month and they denied payment.
They asked how much i had, I told them after my separation with my husband I had $1200 in cash and $1500 in assets. I have a baby on the way too. I own my own business and things are very tough. The credit card company wanted me to cash out my savings, and to sell my only car, didn't care I have a baby on the way. Then NCO takes over, they send me a letter to collect the full amount. But keep calling. They leave messages at my mothers business, even have the nerve to divulge information. Then one time they called for me and my mother gave me the phone (I could have screamed) and they called me by some ridiculous nick name trying to act all nice.
Point is, I have no problem paying each month, I just cant pay nearly $200 minimum payment, not till I get back on my feet.
My husband financially drained me, I used to have top credit now I have none.