Dear Caggers.... I'm in one of those situations; probably too familiar to a lot of people - but with a "twist". I separated from my wife and moved out of the Marital home a couple of years ago; I've been in regular touch as there are children involved... I am still paying the mortgage plus allowances etc - £2,600/month Incidentally - in the last 2 years I have had a tripe heart bypass and been signed off work with depression/stress. A cople of days ago I recieved a demand for £6,600 for non payment of a credit card bill from a company called Capital Resolve.... The first I had heard of the bill well before I left home. There is no information other than the amount There are instruction as to where to send payments or agree a payment schedule - or to have a visit from one of their representatives by the 15th May - the letter was posted on the 8th. They have now follwoed up the letter with an open card informing me that I wil be visited by one of their representatives in the next week unless I call to make a specific call "Immediately". I have no intention of shirking the responsibility for the debt but I have a couple of questions...... The letters are attatched. 1. What would the significance of the 15th of May be - it seems to be purely arbritary? 2. Are they being intimidating by following it up by this orrible card? I am pretty brassic due to the payments to the estaranged wife etc and don't have acess to anywher that amount of funds - am I allowed to change their date of the 15th to give myself more breathing space ? Any help would be much appreciated:-( IMG.pdf