It is an awful situation and bankruptcy would stop the collection efforts....The shame is the author is terrible biased against people paying their debts and against collection agencies.   There are always bad apples but this author I am sure has given some bad advise that hurt the recipients interpretation or actual l...more

I have had a black card since they first came out.  The original threshold was 150k in one calendar year and the first year fee was 1000.   For a couple of years I was grandfathered into the 1000 a year but now I pay 2500.  When friends tried to get in a few years later they told me the yearly spending requirement was ...more