by TJ.brooks » Tue Jul 24, 2012 07:43:23 AM
They are just trying to intimidate you at this point with the threat of legal action.
Wait till they call again and if you are able offer to settle this debt for say 30 % of the total. If you manage to make any agreements as to a pay out...make sure it is all in writing and signed by someone in authority at the agency.
The 28th will come and go without any court action being started....count on it.
Record all your phone calls with them as well just do not tell them you are recording. Perfectly legal.
Also insure that the remaining portion of any settlement can not be sold or assigned in anyway to another agency, otherwise it will just all start over again with them. Again in writing.