Advanta's indians have been calling nonstop since I stopped paying. So far I've missed only one payment. Sometimes when I'm on the phone with one rep, another is trying to 'beep' in. Some days I answer just so they know that they can get ahold of me. I give them the standard statements ie money is very tight right now, I'll try to make a payment soon....that type of thing. They try to nail me down into making a payment today, which I basically just keep repeating variations of the "I'll try" or "hopefully soon" statements.
So today, John calls. Same story...this is a recorded line blah blah. I give him the same vague statements. He then says "OK I can make all these phonecalls stop. You just need to commit to making a payment by 2/2." I respond with my same "I hope to be able to make a payment soon, blah blah" and he says "OK I'll put it down as you will make payment on 2/2". Our conversation ended and Advanta hasn't called back.
Now knowing that I did not commit to anything and the call was allegedly recorded, I'm not worried about anything when I fail to make payment. I did however, enjoy the silence of this afternoon. In the future if I did commit to making a payment by such and such a date, and then fail to do so, how if at all would that impact my future BK?
So today, John calls. Same story...this is a recorded line blah blah. I give him the same vague statements. He then says "OK I can make all these phonecalls stop. You just need to commit to making a payment by 2/2." I respond with my same "I hope to be able to make a payment soon, blah blah" and he says "OK I'll put it down as you will make payment on 2/2". Our conversation ended and Advanta hasn't called back.
Now knowing that I did not commit to anything and the call was allegedly recorded, I'm not worried about anything when I fail to make payment. I did however, enjoy the silence of this afternoon. In the future if I did commit to making a payment by such and such a date, and then fail to do so, how if at all would that impact my future BK?
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