credit card

i had a loan and a credit card settled the loan in january 2014 but not the credit which had a d.o <br> to my surprise my d.o have been returning back unpaid faced some finnacial hiccups along the line couldnt pay it for a while to my surprise m now owing an over 7000.00 for a credit card that has a limit of 4000.00<br> <br> i am frustrated and disapointed by how this account has been handled