I had a vehicle through bank of america. I fell on hard times and my vehicle was repossessed. I was turned over for collections to this law firm. The guy I originally spoke with ,because it has changed several times since I have been with this agency (since September), said that if I wanted he would either do a settlement or we could do payment arrangements for some odd months, well, there was nooo way I could come up with the full amount. So I opted for the payment arrangement.
Ok, they set me up paying 200 each month. Which I understand I agreed to it. So after a few months I was able to make payments but I started noticing that I had no money to do anything else. No gas, no groceries, nothing. So I called back and asked could we maybe split the payments to where a 100 was coming out of one check and 100 out of the other. They said they couldn't do that. Even after me explaining my situation. They basically said to deal with it.
I was upset but still hopeful for when february came to see about making other arrangements.
Today, I call to work out arrangements and first off, the guy had an attitude for h*ll. He was very rude. I told him my situation and that I can do 100 each month. He said why don't you get a loan...I said if I could afford the interest we wouldn't be having this conversation. I can't do it. So he proceeds to tell me that I'm only hurting myself. Ok, debt is debt, either way it goes. I tried to explain to him, if I can't afford to pay 200 then I can't afford to pay 3 of 4 hundred for interest. And then he said well I'm not changing it. That I would have to deal. So I told him that I would need him to explain this to my mother because I just can't phathom why he would work with me. So my mother calls, He answers the phone and as soon as she said who she was, he said I have nothing to say to you, She is being difficult, I won't work with him, and he is going to turn me over to the lawyers.. I couldn't believe he said I wouldn't work with him. If anyone has advice please let me know.