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Discussion in 'Credit Talk' started by JessG10, Aug 23, 2010.
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It can't hurt to call them and try to talk this through, but I doubt you'll make much headway since he already made the verbal agreement to settle for $3,400. Are you 100% sure he never signed anything in writing?
Also, have you received any sort of breakdown for the late fees, interest, etc. from Dell? I'm just wondering how much the original purchase was for and how much you owe in interest and fees on top of that. It's tough to really say wether $1,700 is a reasonable settlement without knowing all the details.
You could have 2 computers for a lot less than $1700.
The stop pay may not work but it will cost you a bank fee whether it works or not.
If you really are trying to work with Dell itself then trying to get much of anything done other than paying it off on schedule as agreed is going to be very difficult if not impossible. If you can possibly do it I would suggest just making sure that next payment goes through and get out from under the mess the easiest way possible.