My father signed up for a credit card at the ripe old age of 91, in 2002. A major bank sent him a letter saying he was automatically eligible to receive a credit card with a $10,000 limit. Who does this to a 91 year old anyhow? Back to the problem. He took advantage of this offer and he gave me an additional card. He was the primary card holder and promised to pay the bills as his contribution to my fledgling new business. Suffice it to say, business went bust. I paid the minimum monthly balance for about 18 months when I could not any longer and the bill went to CBV Collections. They tried to get my dad to pay but he kept putting it off to me. My sister, his executor to his will, sent them directly to me too. Sensing problems, she and he took his estate (small as it was) and put it in trust so when he passed away the estate would have nothing in it. He passed away in January of last year. The collection agency is harrassing me and I have told them repeatedly I want to pay however they don't like the small monthly amounts I can afford to pay. I am self employed so money is tight. The outstanding amount is $10,000 and they are talking litigation. Does anyone know if I have to pay all at once as they keep demanding? I have little cash flow, stressed to the limit and no money to be hiring a lawyer. Any suggestions anyone?