Published: May 11, 2012 8:05 PM EDT
Updated: May 11, 2012 11:52 PM EDT

NAPLES, Fla. - When a local woman paid her credit card debt in full, but kept getting bills and late fees sent to her house, she turned to Call for Action for help.

Last summer, Ohio transplants Martha and her husband Bob, bought furniture for their new Naples home. Martha did her part and paid her bill on time and in full, but the credit card company forgot to endorse the check.

"My bank returned the check to them for endorsement. They endorsed it and it was paid out," Martha explained.

But the next month, she got another bill.

"I called them and said, hey, that there was a mistake and they said no problem. Send us a copy of your cancelled check. I did that," she recalled.

But Martha kept getting bills and kept faxing them proof that she paid. After a few months, she decided she needed help.

"I called or emailed you guys at your Call for Action," she said.

Our Call for Action volunteers immediately reached out to her credit card company.

"And within an hour... they called me said Mrs. Miller we will do whatever you want, we'll put your balance to '0.' Is there anything else?" said Martha.

Finally, Martha and her husband can enjoy the new furniture they bought and paid for without worrying about future bills.

While Martha's balance now says "zero," her credit score is still a work in progress. It dropped about 100 points when the credit company reported her missed payments. It recently went back up 45 points, but she'll have to work a little longer to restore it fully.

If you need help with a consumer problem or if you would like to volunteer with our Call for Action team, you can call 1-800-795-9465 Tuesday through Thursday from 11am to 1pm or you can email us at