You're very welcome! One step at a time. This will be fun. I may even come watch you in court. ;)
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Its not always the amount of money owed it's The Principal!!!
Well, true, but to a point. If he is a halfway responsible guy with a decent score, he will want to protect that at all costs. Having a judgement on your TRW does amazing things to it. None of them good. He can kiss his hard earned score bye bye. They can attach his wages, if he has a job....there are ways to get her done. I do believe some rather unscrupulous collection agencies will buy the account from you also...after that, he truly is fucked. If you are going to send him a letter, make sure to advise him that he has a finite amount of time to amicably resolve this.......hope this helps....
The guy ended up calling me a couple days ago and said he'd pay me this week. He began to cry poor mouth and said he can't pay the full amount but we agreed on a number. I'll let you guys and gals know if we resolve this.