Background:
valid debt, $5400, in collections since April, received first notification Nov 1.
So, the 'manager' I get automatically transferred to is a jerk. I called to get a feel for the account and while he offered to settle at 60% he refused anything in writing. Then, two days, later said he'd email/fax me 'something'. He never did. THen he pretended that he couldn't find my file because 'it's gone to legal'. All of this was during the week of the first notice. Oh, he also hung up on me when I said that I need something in writing before I send *anything* to them. Am I assigned to this CA now? What can I do so I can deal with someone else?
I sent a settlment offer last week, certified with RRR. I'm offering 40%, pfd, pif.
If I don't hear anything about my offer what do I do? Resend the offer every few weeks?
I've now been getting home calls at 7:50pm sharp every night. "Out of Area' so I don't pick them up.
I don't want to do a C&D because I do want to deal with these people.
I looked up the CA with my local courts and they are sue crazy...and win about 98% of the time. Again, I want to deal with this OUT of the courts.