29 Jan

Another call

I had not spoken to this creditor so I tried to explain that I would send a payment every two weeks blah, blah, blah.

The rep got very upset with me as I remained calm and in control. She said that the payment that I sent in was unacceptable. I asked if they intended on returning the check to me? She said she wasn’t sure but based on the balance it was totally unacceptable. I then explained my plan and that I was doing what I could and thank you for your call.

I mentioned that I was notating the call and she got even more upset thinking that I had said I was taping the call and that she had not given permission to tape and that I needed to know the laws before I started taping and it was not admissible in court blah, blah, blah. I had to raise my voice to let her know that I was “notating” it not recording it. Sheesh.

Anyway – I’ll see if they cash the check or not. We shall see. But I stayed calm and stayed focus on the plan.

14 Jan

Not all my checks have been cashed

Any suggestions? I sent the checks on the 6th so there is a chance that they just haven’t processed them yet. I am about to send another payment out. Hopefully my plan to do the pro-rata plan will work out. 🙂 Seriously, I probably do worry a bit too much. 🙂

I received a letter today form Bonded Collection Corporation on behalf of Chase. I have a question. A judgement cannot be set against me without a court date, is that correct?

B of A also sent a letter stating that they were considering filing a lawsuit against me. The legal action would seek a judgement to collect the entire balance shown above. It is definitely in my best interests (according to the letter) to avoid litigation.

Chad – you really have a calming effect and I really do appreciate all your input. Everyone on this board has been positive and encouraging.

I will work on keeping the plan and trying not to worry about the possibility of legal actions and judgements.

Anyways….off to reading more of y’all’s lovely posts.