I was living with someone and included his income when I applied for a credit card, now it is only my income. I have not been able to make payments and tried to work something out with them but they would not take the payment of $25 then, they are all for it now after it is in collections. I receive less than $800 a month and told them my income has not changed since I last offered the $25 so why take it now? Can a judgement be against me since I was on disability when I applied for the card? Any information will be greatly appreciated! Thank you!