I'm going to try to make this a quick story, and maybe it's only funny if you know my DH, so here goes.
I have an acct. in CA, not sure how it got there, long story (you can find it on repairing your credit).
I have gone round and round with these people while waiting for our money to arrive from selling stock so I can pay up. (I have not told them this yet).
They want my bank account #, um, NO.
They tell me I can pay them as little as $200 a month. At 32% interest mind you so then I'm really paying them $200 a month just to stop calling me. Is there a place where I can get my inlaws on that plan?
They keep telling me "then we have no choice, you will have to pay us $3200 now and then $300 a month or we'll send this to an attorney". Mind you at the default rate of 32%.
So my husband is all fired up and thinks he's tough and the next time they call I tell him not to get it but he's feeling some fight in him and he answers. I'm thinking this guy is going to fold like a house of cards on a windy day.
So he goes into the basement for about 30 minutes and I can't really hear what he's saying and I'm just glad that he can barely remember our phone number with area code let alone know what our checking account routing and account number are, so I feel safe.
He comes back up the stairs and holds the phone away and says "honey, I have Amex on the phone (when really it's the CA), they say we must give them $3200 before the 30th but then we can pay them just $300 a month", and he seems pretty happy about this even though we (he and I) have just discussed when the stock money comes in these guys will get paid first.
So I said "At 32% interest?" and he says "Yes, they said they can't lower the interest".
Good job honey!! Nice going! You really showed them!
Luckily once I figure out the best way to do it they will be paid this week.