I am a RN that has had the misfotune of fracturing my right lower tibia and fibula not once, but twice inFEB 2009 AND DEC 2010. I have not been able to work for almost a year. SALUTE CREDIT card refused to work with my debt consolidater and handed it over to RIDDLE& WOOD. tHEY ARE IGNORANT AND RUDE !I am in modificationand may be facing foreclosure .When I explained this to Tony, (no last name) he said we need to collect$200.00 a month. I told him I COULD NOTAFFORD THIS Tony simlply said well you have pay something, he then took $77.70 amonth. I told him when I get back to work, I will pay him as I always paid on time and much more than the minimum.Tony then said, yes I see you were a good client. I told him that is why I SET UP THE DEBT MANAGEMENT !"We don't use them and you will pay and then hungup on me. Somebody has to stop these people. The government is helping the credit cardco. but who helps us? Judith C. McLaren