It is so funny I have been working off paying all my debts I am down from about 9 active cc that carry debts to 1. I also have 1 charge off and a cell phone debt (this is a phone I got for my ex who did not pay the bill) but it's funny because just last week I sent a letter to the original creditor Verizon offering to pay this debt at 70% of the actual balance. Well I have not gotten a response but I did get a call from the collection agency. When I informed him I dealing with the original Creditor he started yelling, " why don't you just pay your bills and you know this call is being record,� I mean over and over. I then said well, because you and I know that it is against the law to harass me and I consider your method of collection as harassment. Anyway I mailed a letter to the Federal Trade Commission, my attorney generals office and the collection office
I can't believe them and not only that in Florida it is illegal to record any conversation without the other party's consent. Boy was I ticked off