Remember that it is nothing personal. The actions that the companies take are based on information that they have received from somewhere. They don't know *you*, they know your account and spending habits based on the best info that they have.

Example: Over the past few months I have received over $4000 in bills from my "insurance" company. At first I was hysterical wondering how on earth I was goingt o come up with that kind of money. After doing some digging we discovered that the entire mixup was due to them having typed in *one* digit of my husband's social security number wrong on the claims. They weren't denying the claims because they didn't like me or because I had done something wrong, they were denying the claims because they were getting bad info. When they tried to look up my eligibility they would draw a blank because they were looking up the WRONG PERSON. Once we figured that out we were able to correct the mistake and made every one of the bills dissapear. This obviosuly isn't going to make any previous credit card debt dissapear, but it could help you figure out why they are suspending your account. Look over every inch of your bill. If anything doesn't add up or if one letter of your name is spelled wrong, let them know.

You can get to the bottom of it Like Karen said, you can also try an agency that deals with consolidating debt. You *can* do this.