I recently was taken to court for an old debt. I had 4 old credit card accounts that I stopped paying in 2003. I decided to see if I could pay the other ones off.
I called Capitol One, who was one of the accounts and when I put in my account number I was transferred to Nelson, Watson & Associates. A person got on the phone who said he was the office supervisor and I explained to him that I wanted to try to reach a settlement on this account.
He was very rude to me and said that I was trying to buy a house or something and had to pay him off. I told him that wasn't true. I offered him 2500.00 to satisfy the account. It was originally $5,000.00 but with interest it was up to $10,000.00.
He laughed and said when I wanted to pay $5,000.00 to call him back and he hung up on me.
A few days later he called me and offered to settle for $6,950.00. I said you offered me $5,000.00 and I offered you $2,500.00 already. He said how about $4,000.00 and I said no.
A few days later I got a letter from them saying that I had agreed to $6,950.00 and I was to send the money. That was a lie. I am afraid at some later time they may take me to court and say that I agreed to that amount and make me look bad in front of the judge.
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