We are both on unemployment and no more insurance?

Assistance with the unemployment insurance on my credit card?

• Here is the story: The company I had worked for, for nearly 20 years was bought out and the new company laid off over 80% of the employees. The severance package I received and my vacation "buy out" totaled nearly 7 months. During the last month I worked, the company brought in people from the state unemployment office and job assistance programs to meet with those being let go. During that meeting it was mentioned that people who receive severance packages etc may not be immediatly elligable for unemployment benefits. There were two "waves" of employees who went out before my "wave" went, and I was hearing from some of those, that because of the size of their severance package they were being told they did not qualify yet and wait till the severance package ran out. Then I heard the nightmares they went through when they reapplied. When I left with my packages, I opted to not go through what they went through. Frankly, with a package that equalled almost 7 months, I wasn't expecting to be unemployed that long. I had never been unemployed for more than 6 weeks in five jobs I had over nearly 25 years. I had always been able to find work quickly. One time I wasn't even without work long enough to receive my first unemployment check. After 7 months I was still unable to find a job and the severance package ran out, so I filed for unemployment. During this time I was faithfully paying my bills. When I decided to file for my credit card insurance is when all hell broke lose. I called the company, was told they don't deal with BofA anymore. I called back, oh yes they handle BofA, but I'm not on the list. I call BofA. BofA gets angry and calls themselves. They get the same runaround... first told they don't handle it, then when the lady at BofA said "Um, I AM BofA!!" The lady on the other line said "Oh, let me transfer you to the people who take care of that" Then that person said I'm not on the list. The lady at BofA said BULLSH*T (yes she did). Then I was miraculously found. They sent me the paperwork. I filled it out and sent it back. They lost the paperwork and wouldn't accept a copy of my copy. So I refilled it out. They declined me saying I didn't file for unemployment within 30 days. I got pissed. By this time, I had to move and couldn't deal with this, while looking for work and a place to live. When I got settled again, I called BofA. at that time my intent was to find out how much I paid over the years and atleast try to get that money back. BofA wasn't happy with what I went through, so they tried again. Again we went through the same situation... They don't handle BofA, oh you're BofA, yes we do, that person is not on our list, oh, wait yes she is. You should have been approved, we'll resend the paperwork. Again I filled out the paperwork and again I was declined. What are my options at this time? Do I have any legal recourse? Is this even legal? There are extrenuating circumstances for everything and these people don't seem to acknowledge them. Frankly, I feel by the way they tried to sneak around saying they didn't handle that account and then saying I wasn't on their list, it's as if they are trying everything possible to not pay up. I have prided myself on keeping my credit in good standing. To get this monkey off my back and not knowing what exactly my future was, I opted to take money out of my retirement savings to pay it off. But they still should reimburse me. I paid them... for years. This is not right. I appreciate you reading my story and appreciate any assistance and advice you can offer.

• Answer:

  Better talk to an attorney. Find one that works on a contingency basis and see what he thinks your options are. The company will attempt to slide by if you let them.