> I actually answered.
> I replied that the debt was over 10 years old
> They asked when I would like to make payment arrangements.
> I replied, not right now
> you can wait till at least March.
> She then asked when I was next getting paid
> and I said good bye.
You have reactivated this debt. It will now legally appear on you credit report for seven years. Even if you pay the debt in a few months like you said you could, this will still appear on your credit.
You should have not said a word and hung up the phone.
After reading all the bad stuff on here about this debt collector , i finally got fed up with the calling and answered.
It was for a bad debt of mine, i admit it, just cant pay until Febuary so had been avoiding them.
I was actually pleasantly surprised the young lady was very proffesional and non-confrontational.
Was able to set up a payment plan that wont suck me dry.
Sometimes its better just to bite the bullet, be nice and they might be nice back to you.
I wrote two letters, and since have not heard from them again. Both letters were sent via email and snail mail, I have not rcvd any phone calls or other correspondence in regards to this debt.
I am familiar with debt collection. Once a company charges the debt itself off, they have written off that debt. They may choose to then forward that debt to collection agency, for payment if they can get it. That collection agency will get a 'bonus' if they do get a settlement of some kind.
The above number called me for some named Kay-Tee-ah Jale. hahahahahahah I am guessing someone with a debt used a fake phone number(which is MINE) to run and hide.