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Old 02-05-09, 04:08 PM
Join Date: Sep 2005
Location: South City, Ca
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collection agency

Well the bank decided to screw me over (bank of america) and I repeatedly tried fixing it, but it was clearly bank error and not my fault and there was no way I was going to pay the charges. They sent it to the collection agency, and I was wondering.. what can the collection agency do if I decide I won't pay, I just talked to them and told the lady it was BOA fault and I don't feel I should have to pay it, she goes "ok thank you jon", and I hung up. Can they file criminal charges or anything? I know my credit can/is going to be ruined. It's been a few months since they've been calling, each time they call they say it hasn't began to affect my credit. I think it's a line of bullcrap.
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