Hi! I will be the professional that will be helping you today. I look forward to providing you with information to help solve your problem.
Good morning. I certainly understand the situation and your concern. The first thing to be aware of, when dealing with a situation like yours, is to ALWAYS get the terms and conditions of the payment plan in writing. NEVER enter into an oral agreement, since having something in writing protects you and prevents them from coming back at a later time and saying they never agreed to something. Moreover, these firms have hundreds or thousands of cases/files, so it is impossible for the employees
and attorneys to remember all the terms of the agreement. When something is in writing, it allows all parties to remember and reference what was agreed upon. As far as your idea for repayment, they are under no legal obligation to accept it. You certainly can propose the offer to them and reduce it to writing but they can either accept it, reject it or make a counter offer. If the money is owed, technically they are entitled to it all, in one payment or they could proceed and file a lawsuit against you to collect, obtain a judgment and then enforce it. It certainly saves them time, effort and money to settle with you, outside of court but if the terms are not favorable to them, in the amount paid or the way the payment is applied, they are not forced to accept it.
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