Yes, I refuse to pay

[treehugger1]

After spending so much time trying to tell the occasional CA that I am NOT refusing to pay, when they ask me if I am refusing to pay, I now simply say, Yep, I'm refusing to pay you! This seems to end the conversation.

[AngelinaCatHub]

TH good for you. ONLY you could have come up with that sarcasm. LOL. Luv it. 'Hub

[jwmc1]

I just love when they ask me that. Got a call from the LAW OFFICES OF JAMES WEST today...they wanted to know what my intentions are regarding my wife's Cap1 card. I said, well since it is not my debt, I don't have any intentions at all. I also asked if they had sent a letter. She said the letter went out today. I told her we would wait for the letter and asked who owned the debt. She said Capital One still owned the debt and asked if we were refusing to pay. I told them I would have to ask my wife. It is only $1,200...I am not sure what to do at this point. I would like to get these puppies settled, but I think this might just go away for awhile if I send a DV letter.

[bluemartini]

I am loving the title of this thread....

[JimKutkowski]

Make no mistake, Capital One will sue you for this debt and they play for keeps.

[OhioFiler]

Some collection bimbo asked me the other day if we were planning to file bankruptcy or resolve this matter. I had to educate her that bankruptcy is a resolution of this matter.

These folks hate when the target refuses to be controlled by them.

[bktek]

Cap 1 sued me after about a year of non-payment. The problem, though, is that the attorney representing them went to court and obtained a judgment without serving me. Instead, they served the bank and garnished my entire checking balance of $1300.

I called the court clerk and raised some hell about it. They contacted the attorney, and after dragging their feet for a few weeks, the attorney sent an order vacating the judgment. They stated that they had "inadvertently" failed to serve me. I'm still waiting for the judge at general sessions court to sign the order vacating, but I intend to get that money back. Those funds are from unemployment compensation and are exempt from seizure under state law.

In the meantime, I've filed a Ch7 petition to protect myself from further collections.

[frogger]

These folks hate when the target refuses to be controlled by them.

The key to being a good collector is to be able to control the conversation. Many, if not most people, don't stand a chance in a phone conversation with a good collector.

They have a script. They have an answer for everything. As long as they are in control and in their comfort zone, then they are in control.

If you can't take a collector out of their comfort zone, then you really don't need to talk to them.

[pcn]

If you can't take a collector out of their comfort zone, then you really don't need to talk to them.

But it is so much more entertaining when you do take them outside that comfort zone. And now that we have adopted a similar point of view, it happens much more often. Just telling them that I have sent them a DV letter seems to throw some of them into a tizzy.

[frogger]

But it is so much more entertaining when you do take them outside that comfort zone.

If you can take them outside their comfort zone, I agree that is very entertaining. Most people however, can not get them off script.

But then, most people are not the people that are here.