merry christmas.....you owe $200

[yoda]

credit collectors love to fuck with your head
ask to speak to a supervisor or arrange a payment plan
starting after the holidays
they are just trying to scare you

i owed ballys like 2000 dollars
i ended up settling that debt for 486.00
they will jack you if you let em

thanks for the advice. i got off the phone with a friend, and she said as long as i keep sending in bits of money that they accept, they cant do shit to me. i talked with the guy that had called me, and asked if i could do some sort of payment plan. he wanted 100 todya, but i cant even do that. then he asked 50, so again i said nope, told him maybe 30. im gonna tell them 25, take it or leave it.

i really do want to deal with this after the hollidays though.