Rosiegirl7 wrote:I maintain that the balance transfer offer was indefinite and an expiration date was never disclosed.
Doubtful. No sane lender is going to have an indefinite promotional offer going on. It is like saying you can borrow $10,000 from me and pay me back $20 per month forever. I will never get to see the light of my $10,000.
I commend your effort of paying back debt without filing for BK to discharge or adjust your debt, but this one is on you. Just like rental contract, you should never throw away your terms and conditions. You learned your mistake, so it is time to move on.
My recommendation for you is to find a way to consolidate your debt. You can do this by personal loan, social lending, or another credit card (assuming your total debt is not huge). Otherwise pay down whichever has the least balance, and so on. That way you can free up more minimum payments.