In XX/XX/XXXX, USA Discounters/USA Living filed a lawsuit in the state of Virginia for an account I opened on XX/XX/XXXX while serving as an XXXX Service-member. They charged me 18 % to 19.05 % interest rate and {$5.00} XXXX Specialist service fee. In XX/XX/XXXX, I was medically discharged from the service and could not make my payments on time or at all due to lack of or fixed XXXX income. In XX/XX/XXXX, I could not keep up with payments, and finally had to stop payments to USA Discounters in order to live. I offered USA Discounters to retrieve its merchandise several times prior to the lawsuit and was told they can not retrieve the merchandise. On XX/XX/XXXX, USA Discounters filed a lawsuit and was granted a judgment in the state of Virginia ( in which I could not attend court due to lack of funds to travel the distance ) instead of my home of residence which is out of the state of Virginia. I have not been employed since XX/XX/XXXX.