Feel shaky got off phone with creditors!
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Feel shaky got off phone with creditors!
| Tue, 11-09-2004 - 2:05pm |
Well a collection company just calld me about a student loan I am behind on :(, they want the entire amount of $1700.00 today, so I told them that I have a check for $922 coming sometime this month, and I get paid cash for babysitting, $16/day. I babbled about my lack of resources explained why I was broke. the guy said that i have a line of credit 9how did he find out?) and said that I have only $7500 of $9500 used, but this account is closed! i kept telling him I cannot use that amount the bank won't let me, he wouldn't belive me, agh! So I think I finally convinced him after I told him to call my bank. He said that possibly that he could talk the bank to do a payment plan if I make the large downpayment. Agh! They wouldn't give me any info on calling and putting money down till I have asubstantial amount. I am getting paid tonight for babysitting so i think I might call and tell them I got $50 can I put that down.
I feel so shaky! I am trying really hard but they want their moeny now but the guy was actually pretty nice in the end and I explained everything, so he said he would see if they could do a payment plan.
kiki
I feel so shaky! I am trying really hard but they want their moeny now but the guy was actually pretty nice in the end and I explained everything, so he said he would see if they could do a payment plan.
kiki


kel
Just a quick note to answer your question--they know about your credit line because they pulled your credit report. Generally, any company with which you have credit has permission to pull your credit report periodically.
Like the previous poster said, stand your ground. Send them what you can and what makes sense in light of the rest of your budget and responsibilities. Don't let them intimidate you. They are only people, and the worst they can do to you is report you to the credit bureaus, especially as long as you're paying even a little bit.
Good job in getting the guy to see you as a human being and be a little bit nice. These people can be real monsters!
Take care,
Heather
I hope they work with you and you can get it paid off without them being witches about it. Hugs