I had been steadily making payment on my Credit protection, yet despite being diagnosed 08/2007 and eventually having to go on disability 04/11/2008 WAMU did not follow through on their end and my account eventually got closed and went to collections. They should have paid my balance off once I went on disability especially since I had already been diagnosed. What purpose did it serve for me to pay all that money in if they refused to enforce my protection?