I always laugh when they say they will continue negative credit reporting if I can't pay them...They have been reporting me negatively since last year, my score probably can't go down any further
Even though my modification has been going on for almost six months and I call EVERY week, they still ask me pay my past due. It's like the rep is hoping that I'll just say, "Oh, okay, here's 9K. I was going to keep it because I have been enjoying making 100 plus calls to your department, but I've had my fun now." Sure. And the modification I applied for: don't need it, just thought it would be a good idea to completely trash my credit for kicks....