o My wife opened this account over 15 years ago when we lived in the XXXX area and I was working XXXX jobs. 
o We moved back home to XXXX, Texas in XX/XX/XXXX when the company I was working for let all the XXXX go & bought a XXXX. 
o I XXXX for 8 years until I had a XXXX XXXX and was forced to retire. 
o My wife XXXX has XXXX, o I have XXXX. 
o We both take many medications and I can no longer work so I can no longer make payments. 
o For the last several years we had this account we paid {$200.00} to {$250.00} dollars each month and regardless of many calls XXXX XXXX refused to apply any part of the payment to the principle. 
o We are XXXX years old and own no property or vehicles. 
o We are constantly being harassed by Port Folio Recovery both on my Home Phone and my Cell Phone I have repeatedly asked them to stop calling as we will never have any funds to make additional payments on this account. 
XX/XX/XXXX