Signed 2-year contract w/ a phone co 3 years ago, had to cancel after 1 year. Co. wanted $6K which included 1 year + lates fees. Agreed to $2500 of $200/mo. Did not pay, collection agent sent 2 faxes - 1st saying $2500 settlement, how come have not paid; 2nd settlement offer of $2625 to be paid in full by 3/21/08. Cant afford so agreed on 1/2 now & $100/mo. Provided credit card which he charged $1312.50 & then $100/mo. May 6, tried to call him to inform cc cancelled & was going to provide w/ new cc when told he's no longer employed. No cc charges Mar & Apr.
Prepaid Legal atty sent letter on my behalf stating "their agent assumed the responsibility of charging $100 on cc & the deviation from pattern is = to a default & waives remaining bal of $200. In good faith, I will make lump sum of $200." New agent insisted owe $4K+ 'cuz I defaulted; 7/6 she faxed over $1082 offer. Job cutting hrs & want debt to go away 'cuz uncertain about future earnings. 7/10 agent offered to split $1K into 3. I want to pay $200 & close.
Do they have good case to take to court for $4K? Please advise as I feel I did not default.
Prepaid Legal atty sent letter on my behalf stating "their agent assumed the responsibility of charging $100 on cc & the deviation from pattern is = to a default & waives remaining bal of $200. In good faith, I will make lump sum of $200." New agent insisted owe $4K+ 'cuz I defaulted; 7/6 she faxed over $1082 offer. Job cutting hrs & want debt to go away 'cuz uncertain about future earnings. 7/10 agent offered to split $1K into 3. I want to pay $200 & close.
Do they have good case to take to court for $4K? Please advise as I feel I did not default.