Offer To Pay Was Refused

I made an offer to pay $200 per month beginning 4/1/2011. The manager refused my offer and made a statement saying just hang up the phone now and I will notate on our account that you are refusing to pay this debt and we will begin extrapolation of funds immediately. She then hung up. How can I resolve this issue?

Thank you.

Comments for Offer To Pay Was Refused

Click here to add your own comments

Mar 04, 2013
 Refusing to accept payment
by: Anonymous

I agree with the above statement "Don't worry about them making a note in your file that you are "refusing to pay." That really doesn't mean anything, unless you were truly refusing to pay the debt (which you aren't). We would suggest you put your offer in writing to the collection agency and send your letter certified mail return receipt requested. Keep a copy for your records."

They can't bully you. After they threatened the same thing to me, I politely stated what I was able to pay and that in fact they were the ones refusing payment---in case it was being recorded--then hung up on them. Lo and behold the "manager" called back and agreed to my settlement. Slimeballs.
Jun 05, 2012
 Same thing happened to me
by: Anonymous

I was offered a "plan" to pay 30% right then and there, and then payments. I was asked if I had a 401k with my employer, if I get the money from my children, or a family friend. Then they offered to accept a credit card!!! It is credit card debt that I fell behind on!!! I offered to pay what I could, but it was refused. They have given me until 12:00 noon tomorrow to figure something out!
Nov 22, 2011
 Violation of privacy Act
by: Cindy

Square Two Financial revealed private information to a third party and did not have my permission to release any infomation. This is a violation of the privacy act law.

Reply from DebtCollectionAnswers.com:

Cindy - You may want to get a free consultation with an attorney with experience in debt collection cases.
Mar 18, 2011
 Refuse to accept payments
by: DebtCollectionAnswers.com

Debt collectors aren't required to accept whatever you can afford as payments. However, if that's truly what you can afford, then it seems foolish for them to refuse to accept that amount.

Don't worry about them making a note in your file that you are "refusing to pay." That really doesn't mean anything, unless you were truly refusing to pay the debt (which you aren't).

We would suggest you put your offer in writing to the collection agency and send your letter certified mail return receipt requested. Keep a copy for your records.

If they ever tried to use the "refused to pay" argument you would have it in writing that you did not refuse to pay.

Please at least read the first chapter of Debt Collection Answers online for free so you'll have a basic understanding of your rights when dealing with the collector.

Click here to add your own comments

Return to Square Two Financial Complaints.

Learn how debt collection laws can help you!
This website does not provide legal advice.
All information is for educational purposes only.
Copyright 2007 - 2018 by Mary Reed and Gerri Detweiler.
All rights reserved.

Disclosure: We may receive compensation for marketing some of the services mentioned on this site. Above all though, our goal is to recommend products and services we believe can help our readers. You can learn more here.