What are my odds of negotiating a payment directly with the CA. I have a credit card debt of $4000 and figured I'd offer $1200 which is about all I could afford. The only leverage I have is that I owe IRS $18,000 and would just as soon put that $1200 towards IRS debt. I'd tell CA they have one hour to decide if they want to accept the $1200 as full payment or I pay IRS instead. Or maybe I'm being too optimistic or overestimating any supposed power I might have with this tactic?
Power? You have less power than a flea crawling up an elephant's leg with evil thoughts on it's mind. (LOL). You have no power at all unless you are using tactics designed to expose the debt collector's violations of FDCPA or FCRA in a federal court case. Get them into a federal court and then you can see how much power they have. The name of the game is to learn how much power they have, not teach them how much power you have. Unless you make them pay you dearly for the lesson.
