Wells Fargo leaves me message about irreversible decision

[GoingDown]

They can't sue everyone. But they try to scare everyone into thinking that a lawsuit will be the next course of action if they don't hear from you immediately.

If I had a nickle for every debt collector who threatened me with "legal action" or said the "file was about to leave their office" and this would be my last chance to "voluntarily resolve this matter" if they didn't hear from me immediately, and then never followed through with a lawsuit, well, I could go buy a Whopper right now.

Huff and puff and bluff is their main weapon of choice against debtors.

It usually scares them into paying them something, and keeps the debt collectors employed.

If no one ever voluntarily complied with debt collectors, most of them would go out of business.

And on a side note, yes, Catleg is one of the funniest and most informative and helpful posters on this forum.

[mdl]

Hey, I used to have "Hi, this is Linda from Capital One"..........dayum, she gets around!!!!

[sunshinepa]

I guess I'm adding to this thread because it's my "saga" of collections....

...I like you all's responses (this isn't then WF but Cap One)...BUT I've received another letter from CapOne/NCO - that this my FINAL "pre-legal" notice - no more offers from Linda, Emily, etc - just pay $648 or else. Period.

Holding my breath till Sept. :-)

I take it this doesn't need a response...

Been there, done this....LOL. Don't talk to them, it will be same as WF. You will know when they get serious because you'll get the attorney letter. Then ya do the steps ya do for WF all over again. YOU ARE GONNA MAKE IT OLD........HONEST!!!!

[IamOld]

Been there, done this....LOL. Don't talk to them, it will be same as WF. You will know when they get serious because you'll get the attorney letter. Then ya do the steps ya do for WF all over again. YOU ARE GONNA MAKE IT OLD........HONEST!!!!

Thanks!!!!!!!!

Well I'll tell ya, went to my dr today and after a LOOOONG talk she said I need anxiety meds.

[treehugger1]

Yes, if only you could predict when the CA's would call. You could take a Xanax 20 minutes prior to the call.

[IamOld]

Ah! Xanax - that's what I should ask for :-)

Well apparently THREE have now found me at work - like I said, thank goodness for caller iD!

[IamOld]

UPDATE GUYS - received letter from WF - card balance (now)$7,300 - final absolutely final settlement one time offer $5K and change - must hear from me within 15 days...so roughly end of month...should I try to drag this out a bit?

Also, local credit union - promised them $100 a month ago, though I could do it...of course now I can't. Sigh.

[sunshinepa]

Well, now you know you won't have to worry about that lawsuit. Their 15 days gets you thru July...........even if they file for judgement by August nothing will happen to the end. Don't worry about it, you will make that Sept filing without a judgement!!!!

Take the drugs, don't worry, be happy.......LOL.

[IamOld]

Well, now you know you won't have to worry about that lawsuit. Their 15 days gets you thru July...........even if they file for judgement by August nothing will happen to the end. Don't worry about it, you will make that Sept filing without a judgement!!!!

Take the drugs, don't worry, be happy.......LOL.

ROFL!!!!!! THANKS!!!! Yeah...just wondering if I should respond to them towards the end of the 15 days.

[sunshinepa]

Nah...........let them wonder! Seriously, they just bought you time, it's a good thing. The way I feel about it, the less contact, the better I felt. I do feel your pain, been there, done that one w/Citibank. I have until Thursday at 5 p.m. to finish sweating their AP and then I am home free. Am actually more worried these last 3 days than I have been for the 60....go figure!

[IamOld]

Nah...........let them wonder! Seriously, they just bought you time, it's a good thing. The way I feel about it, the less contact, the better I felt. I do feel your pain, been there, done that one w/Citibank. I have until Thursday at 5 p.m. to finish sweating their AP and then I am home free. Am actually more worried these last 3 days than I have been for the 60....go figure!

Thanks sunhinepa!!! Agreed - I don't really have the strength to deal with them unless absolutely necessary.

[IamOld]

Today's Episode - for those viewers still with us...

"Heather" called me again needing me to call back no later than by 5pm today regarding my pending file.

I need the BK to work...because if not and if I get garnished where I work, they'll fire my behind....

Monday I faxed paperwork in to "refinance" my 401k loan - the idiots who set this up only allow one 401k loan - but you can "refinance it" and take out more $$ - I need it to pay off atty.

Well, a) they cannot read their own form, b) I had to have the powers to be here email 401k admin TWICE that the refi is ok (I know I know, but they're ain't no other money - besides total loan will be like $3K for $20/pay)

So again, things that I expect to work...haven't. So what else is new. Sorry for venting.

Fortunately, there is a plan b...withdrawal from my 2nd job's 401k...not quite enough, but more or less gets me there...now it's just a matter of timing. I think today alone I spent about...oh 2 hours on the phone with my main job's 401k admin. Unreal.

See? It never ends. Ok. Pity party over.

[sunshinepa]

I assume Heather is WF? Again, they are just scare tactics. WF has not sent this to a lawyer yet, you still have time.

If the refi goes thru, does that mean you can file sooner? I seem to recall that there were some "income" issues holding you off till Sept........was I wrong? Sure hope so and you come back to tell me you can file as soon as you pay, that would be great!!!

[IamOld]

I assume Heather is WF? Again, they are just scare tactics. WF has not sent this to a lawyer yet, you still have time.

If the refi goes thru, does that mean you can file sooner? I seem to recall that there were some "income" issues holding you off till Sept........was I wrong? Sure hope so and you come back to tell me you can file as soon as you pay, that would be great!!!

Thanks sunshinepa! Yeah, I know Heather is the scare tactics....but with this stupid 401k administrator...I do need to wait till Sept but I need the refi to pay the atty. No refi, no atty...so then onto plan b...withdraw $$ from 2nd job 401k - I believe that wouldn't count as income because that's EMPLOYEE contributions only - so in other words, it's just what was deducted from my check and thus already reported/included in gross income...things is, that would be about $600 short...but that I could...manage...

[IamOld]

Guys, for those who want to follow the WF soap opera - they're calling again - now I got letter stating that if I don't pay the ENTIRE amount within 15 days, they may be "forced" to send my acct to an atty and/or collections agency. I have NOT made contact with them.

Also, sewer-server Forster & Garbus left me a message - very polite - to call them. DV letter will be going to them at the end of Aug - need to make it to Sept I hope only. Meanwhile, nothing (yet) out of Zwicker re my other Target account (Zwicker has one and Forster has the other - go figure) - not a peep out of them...DV'd Zwicker, got the standard reply we're right you're wrong back, and nothing else. Not a peep. Expect legal papers from them...