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When you’ve dealt with bill collectors for as long as I have, you eventually run across just about every collection scenario in the business. In one such scenario, I received a call from a collection agent who was for the most part very nice and surprisingly a perfect gentleman throughout the entire conversation. The conversation went pretty much like this:
The collection agent tells me that my visa account was in collections and in order to settle the account, it would cost me just over $1000.00. I informed him that the credit card limit was only $300.00 and that I would be willing to pay the $300.00 to settle the account, as I was trying to clean up my credit.
He then informs me that the extra $700 was due to collection fees and interest. I remained calm as to not escalate the situation and kindly informed him again that I would gladly pay the $300 past due amount but there was no way that I was going to pay back an extra $700 in interest and fees…not in this life or any other for that matter. I never heard from him again.
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