Settling and paid in full question.

Credit collector called and advised can we work something out. I threw at them 50% they said good and then stated is has to be paid in full not settled.

They said they could not do that. I asked you represent the creditor and to please go back and ask.

They became very adament and stated that I was refusing to pay.

I advised that this phone call was probably being taped for legal purposes and that I was not refusing to pay, but was requesting them to go back to discuss the possibilty.

They hung on me abruptly.

I guess does this still equate as a refusal to pay?

The other point would be, that I feel I should be a letter from them stating the full negotiated amount and the said amount if paid by the agreed date will reported as paid in full.

Which in with this I could use the letter as a legal agreement between myself and the credit collector and my cleared check as proof that I complied with their requirements in the letter.

I have been jockeyed around by at least three agencies and the Credit Card that I had the problem has something to do with whats in your wallet.

Very nasty bunch of people if you ask me. I tried to work things out with before collections. They said the would help but had to pay up the back log and then when I did and asked what were we going to do they said nothing your account is current.

That is why I let them go cold turkey. They wouldnt work with me previously and they outright lied when they said they would.

I have no respect for them, even though the debt is mine.
The offer I made them would have covered the original principal amount when I stopped paying.

The interest clock keeps flying.

They next offer will be 30% and work my way up.

Your thoughts anyone. I am in Florida, so Florida laws would apply here I guess.