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Originally Posted by JenTay
A couple of years ago I carried a pager. To make the long story short, the service was so bad I tried to cancel the balance of the contract.
Some sh&thead debt collector called last night trying to collect the $200.
Question, what's the worst thing that can happen if I never pay them (out of principle)? I suspect they will continue to call. Is there anything I can do to stop it? Will they really take me to court for $200? Wouldn't the court filing fees and lawyer fees exceed that?
I know the credit rating score thing will be less than perfect now but come on! for $200!
I want your opinions
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What is your credit score worth to you? Chances are good that you are already being reported as delinquent in this case, which hurts your score. They don't have to sue you to be reported as a "collection account" on your credit history.
Re-read your pager contract.
If I were you, I'd check my credit history
today. If there is no evidence of any detrimental report, pay the $200 and make this go away. If you owe the money, I recommend prompt settlement and chalk this up as a learning experience.
You are
only hurting yourself in the long run by avoiding the issue.
Best of luck to you.