유학생 카드빚 관련 문제입니다. 조언 부탁드립니다.

안녕하세요,

제가 4년-5년 전쯤 미국에서 연구원으로 일했을 때 카드를 만든 적이 있었습니다.

그런데 그 카드를 만들어 두면 추후 미국에 왔을 때 credit을 쌓을 수 있다는 말에 만들어 놓고 거의 쓰지 않았던 걸로 기억합니다.

그런데 그 후, 한국에 있는 제게도 몇번 명세서? 같은 게 왔으나 제가 해석할 수가 없어서 별일 아니겠거니 하고 넘겼습니다.

오늘 이메일을 확인해 보니 저한테 약 300불 정도의 빚이 있다고 하는데 (그 카드를 통해서 쓴),

제가 현재 그 카드를 수중에 갖고 있지도 않을 뿐더러(한국에 거주 중입니다), social security number도 당장 확인하기가 어려운 상황입니다.

영상에서는 4년이 지났을 경우 빚이 자동으로 없어진다고 나오던데 저는 4년이 지났음에도 아직 그대로네요

이 걸 어떻게 해결해야 할까요?

제가 현재 처한 구체적인 상황이 어떤지에 대해서도 모르겠고,,혹시 추후 미국에 입국을 하거나 비자를 받을 일이 있을 때 이런 게 장애가 될 수 있을지 궁금합니다.

솔직히 여유가 많은 편이 아니라 가능하다면 빚이 없어질 때까지 기다리고 싶은데요 (왜 빚을 졌다고 하는지도 모르겠네요ㅠ)

밑에 이메일 전문을 첨부합니다.

-------이메일 내용 ----
04/13/2021

Account number ending in: 17XX

JXXX HXXX BXXX:
Now that tax refund season is here, we’re offering you an opportunity to settle the debt on your charged-off account for $276.00. The settlement amount is 72.71% of the current balance owed of $379.57.

What you need to know
Although the account has been charged off, you remain responsible for paying the outstanding balance. This settlement offer is only valid until August 8, 2021. We are not obligated to renew this offer.

What you can do
To take advantage of this offer, please take the following steps:

Step 1: Call us at 800 XXX. XXXX, Monday through Friday, 8 a.m. to 8 p.m. Eastern to let us know if you wish to accept the offer. Please refer to reference code HTY3 when calling.

Step 2: Tell us how you'd like to make your payment(s). You have four options:
One payment of $276.00
Three monthly payments of $92.00
Six monthly payments of $46.00
12 monthly payments of $23.00
Please note: You'll need to pay the exact amount(s) due by the date or dates we mutually agree on when you call.

Step 3: Mail your payment(s) to Bank of America, PO Box 15019, Wilmington, DE 19850-5019. Please be sure to write your account number on the front of your check or money order.

If you're unable to meet the terms of this offer, please call us at the number above to make other arrangements.

Important tax information
There may be tax consequences as a result of a settlement. Please consult a tax professional if you have questions or want advice about any potential tax consequences.

We're here to help
Thanks for working with us to resolve this debt. If you have questions, please call us at 800.XXX.XXXX, Monday through Friday, 8 a.m. to 8 p.m. Eastern.

For information on managing your finances and credit, please visit bettermoneyhabits.bankofamerica.com.

NOTICE OF IMPORTANT RIGHTS

YOU HAVE THE RIGHT TO MAKE A WRITTEN OR ORAL REQUEST THAT TELEPHONE CALLS REGARDING YOUR DEBT NOT BE MADE TO YOU AT YOUR PLACE OF EMPLOYMENT. ANY SUCH ORAL REQUEST WILL BE VALID FOR ONLY TEN DAYS UNLESS YOU PROVIDE WRITTEN CONFIRMATION OF THE REQUEST POSTMARKED OR DELIVERED WITHIN SEVEN DAYS OF SUCH REQUEST. YOU MAY TERMINATE THIS REQUEST BY WRITING TO THE CREDITOR.

This is an attempt to collect a debt and any information obtained will be used for that purpose.

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