No. of Recommendations: 2
It really sounds like the guy who is calling you is a bill collector. He was trying to scare you into sending money. Since you called back and got the credit company, and not a law firm, that pretty well confirms that.
They are trying to frighten you into just sending them some money. You have good intentions and tried to work with them, but they didn't sound like they were willing to realistically work with you. If someone is having trouble making a $100 dollar payment, they won't have $7000 laying around, or $2500 a month to spare. It sounds like a credit collection part of the same credit company that you were dealing with initially.
I agree that you need to write down everything this guy said, so the next time you talk with them you can quote it back to them.
They are working on the basis that you will be terrified to go to court. I have always answered them with "fine, let's go to court", and they suddenly seem willing to work with me in a reasonable fashion. Don't let them scare you. You are willing to work things out.
There are probably a lot of folks that won't agree with me on this, but I have said things like, "fine, I can just declare bankruptcy, and then you won't get anything, or we can work out a payment plan". Never actually intending to declare bankruptcy, but using the same methods that they were using back on them. I mean, if they are going to be that way, just use their tactics until they back off and start being reasonable about a payment plan.
Just my thoughts. I just hate to hear that they are bullying you.

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