It's been almost 6 years since this card was used with a balance of 800$ owed. Now the company is saying I owe over 1400$, due to interest. I tried to go through a negotiator but the company refused and told me they don't do that and won't, I have to pay the full 1400$. I was wondering if they were allowed to not negotiate? I offered them the 800$ that I owed and the lady told me I was out of luck, I had to pay the full amount. Is this legal?

It's been almost 6 years since this card was used with a balance of 800$ owed. Now the company is saying I owe over 1400$, due to interest. I tried to go through a negotiator but the company refused and told me they don't do that and won't, I have to pay the full 1400$. I was wondering if they were allowed to not negotiate? I offered them the 800$ that I owed and the lady told me I was out of luck, I had to pay the full amount. Is this legal?


They can't just make up any percentage of interest or any amount but they can sue you for full interest on the account in a legal amount and, no, they don't have to take a partial payment or negotiate with you.

They must feel confident that they can get a Judgment for the amount plus fees and then collect through garnishment or lien or seizing your bank account.

If it's been "almost 6 years," depending on the State you are in the debt might be out of Statute.

Yes, it's legal. The original agreement allows them to charge interest on outstanding balances and if there has been an outstanding balance for almost 6 years then it is not unusual for the amount to double due to the interest.

And they are not required to negotiate with you. There is no law that says they must take less than what you owe them.

I'm just wondering where you have been during the 6 years and why you haven't paid.