I was called this morning by a collection agency they said that I owe Sams Club 900 dollars. Asked me for check by phone. I told him that I didn't have the 900 he came back with would you settle for 600. I told him that I couldn't afford 600 right now. I asked him if i could get something set up monthly. He asked me what I could do today and I told him that The best I could do today would have been 50.00, which is true thats all I could do. He then said that I was unwilling to voluntarily pay this debt and that he was marking it refused to pay and he hung up on me. Now I owe this debt and am willing to set something up but he refused so now that he marked it refused what can I expect next. Will they Sue?? or is this a scare tactic. Thanks in advance
Scare tactic.Don't let them bully you.Challange them on you refused to pay there's a big difference between I CAN'T or I WOULDN'T.You need to dispute this via letter,asking for proof of ownership,at the same time tell them it's inconvenient for them to call at any time and any number,all business by us postal service.
When i was dealing with arrow fin they would say so your refusing to pay,and threaten to put it on the report.Since i know about recordings i would tell them that I"m refusing to pay i can't pay until i get my kidney paid off,i didn't want them to repo it.collectors have no sense of humor
Well it was at a bad time in our lives and the only thing we owned was our sense of humor.My dh is an expert at sarscam,im still learning but getting there.Things are better.just hate the cold in eastern idaho.
