#1: Feeling REALLY down...need some advice?
My life has gone to pot ever since my mom's stroke and I feel like things just keep getting worse. Overall I just need some growing pain advice. I opened an account with ALLY bank a longggg time ago. Never used it. Then something happened. Apparently an echeck from Paypal was deposited in and then more money was withdrawn. I DID NOT DO THIS. I have NO idea what happened but it wasn't me. I call them up asking whats up with the account and they say they don't see anything. Then the collection calls start coming. The debt is $9.00 from an overdraft fee and a collection agency has just now started calling me. I'm SO upset about this because I did not do this. I don't even know how to handle this. I have no credit and I'm PISSED that this may mess me up for something I didn't authorize. I will be calling again tomorrow to find out how I can pay this debt. But I just need some advice. Do I call the bank to pay the overdraft fee? Do I respond to the collection calls? How bad will this effect my credit after I pay?...any advice for building credit? I HATE this. This is so unfair. I'm getting super discouraged. Any advice from you ladies will be very much appreciated.