gift visa card

[junker]

so i have been ignoring calls from crap 1 for about 4 months now.... one letter received just recently said to destroy all cards and checks associated with this acct..now today i get a 50 buck gift debit card from them on their letterhead saying they understand i could be having troubles...call this number to activate..no strings attached...then on the back of letter it says this is an attempt to collect a debt and when i call i will be connected to a credit counseler to arrainge for payments on acct...but still no strings attached....sounds like a string to me....any one else got one of these????

[Amadan]

For fifty bucks I would probably call them. Sucks to be broke, but for that much money it would be worth hearing the sales pitch and then just saying "Cant pay right now, sorry" and hanging up. Then I would laugh all the way to the grocery store to spend that fifty bucks.

[DebtHater]

I would stay far away from this. You know that Crap One is lying when their mouths move. It sounds like they are holding some bait in front of you to lure you in for the kill. That "no strings" $50 could end up costing you big in the long run.

[junker]

well, i did call on the gift card...after talking to a counselor that did try to set some payment plan although pleasantly and not pushy...i simply told her i had numerous medical bills at this time and would not commit at this time to a payment plan...she activated the card and told me how to use it...basically i think they were paying to get me to talk to them, as i have been ignoring their calls...now i wish the rest of the cards would do that...send me 50 bucks and i will talk to them and still tell them i dont have the ability to pay....

[catleg]

that's a pretty good deal. glad you were able to get the 50 smackers. in my opinion cap one has cleaned up their act, chase is the new cap one.

[dscurlock]

They added the $50 to his final bill...which will never be final
until he pays or files BK...