Them:
Normally our payment plans start out as 50% up front then a monthly agreement. With that said I can do 50%, $2168.50 received by Feb. 1st then $722.83 the first of every month thereafter.
Me:
I can't do that kind of money up front, and most certainly not $700/month. I got $500 from the insurance today, which I was planning on sending you, but we're going to have to work something better out.
Them:
Morning,
How much are you thinking you can do per month? I understand the position you are in but this balance must be paid in a timely manner.
It will look good on your account if we could receive some sort of payment soon.
Me:
I can do $250/month, with extra when I can afford it.
Them:
Justin,
With all due respect, that will take over 17 months to pay this debt off. Can we compromise with $1000 by Feb 1st then $417 per month for the next 8 months?
Me:
With all do respect, I'm not taking food off my family's table to pay this off. Let me see what I can do.
I'm half expecting this to get ugly. I've been communicative with them throughout the whole process of dealing with the insurance company. I'm willing to pay them as much as I can afford. But if they refuse to deal with me, I'll tell her to take me to court. I'll send them money every month, make copies of the checks I send and get the letters sent with a signature required. If they decide to be assholes about it, the courts will side with me as I'm making an attempt to pay the debt. Technically, I can send them a dollar a month and it is intent to pay in NJ. I'd love to pay them off quickly, but I can't afford it. Let's see where this goes. 
{edited to add}
My deductible was $5,000. I was lead to believe that the insurance would cover the cleanup regardless of the deductible.
JAN 10, 2012 08:45 AM
JAN 10, 2012 08:46 AM
JAN 10, 2012 08:49 AM
JAN 10, 2012 09:33 AM
Munke
Penngrove, CA
May 2004
JAN 10, 2012 10:27 AM
JAN 10, 2012 10:37 AM
JAN 10, 2012 12:28 PM
JAN 10, 2012 12:50 PM
JAN 10, 2012 04:33 PM
JAN 10, 2012 06:42 PM
JAN 10, 2012 07:07 PM
