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Oct 30 '19 at 22:08 comment added Andrei I don't disagree with anything you're saying. Even though absolutely is technically wrong, it is still erring on the safe side. So I don't even object you including it in the answer. My comment was not an objection, but a trivia clarification. Since you asked, "nobody's joking" is not that hard to prove. Contract law is civil, so the standard of proof does not have to be "beyond reasonable doubt", but merely preponderance of evidence, i.e. the evidence shows that it is more likely that it was not a joke, than that it was.
Oct 30 '19 at 16:10 comment added Derek_6424246 @Andrei The 'absolutely' is accurate, as you even acknowledge in your own comment (as long as "nobody's joking"?! What does that even mean?). Debt collectors are known to use all sorts of underhanded and often illegal tactics to collect loans. I've heard of people resetting the statute of limitations by making a "good faith payment", draining their savings when a bankruptcy would be MUCH more advisable, and on and on. A debt collector is NEVER working in your best interest, under any circumstances. There is no such thing as "good faith" when dealing with those people.
Oct 29 '19 at 15:49 comment added Andrei phone conversations and any other conversations are binding... as long as they can be proved, and as long as it can be proved that the parties are intentionally entering into a contract (nobody's joking). The best proof for these conditions is to get everything in written form, but a written form is not a mandated requirement, unless otherwise specified by the law for a specific type of contract. Yes, I am aware that this is not very relevant, but the absolutely triggered me.
Oct 29 '19 at 8:00 comment added jwenting and paying off one debt by taking on another at a possibly higher interest rate is a recipe for disaster.
Oct 29 '19 at 2:03 comment added jcm This needs to be higher.
Oct 28 '19 at 15:33 comment added Derek_6424246 THIS! 1000x this!! Unless you have a document from the collector which EXPLICITLY states that "A payment of $3000 will settle this debt in full", then there's zero guarantee that a payment will negate a debt! You have to demand official, written correspondence of any changes to the debt BEFORE you make a settlement payment.
Oct 28 '19 at 12:58 history answered MonkeyZeus CC BY-SA 4.0