Re: T-Mobile is Evil. What\'s the best move here?
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If you choose not the pay the bill here is what you do when it goes to collections. When they make first contact, you have something like 30 days to contest the debt. Do so. Then explain to the agency why you are doing so. At that time offer a settlement by the paying the amount you believe to be fair. Chances are they will accept and it's done.
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This is probably a bad idea. As soon as a collection agency purchases the debt, they report it to the credit bureaus as a collection account. Even if the account is settled/paid, it will stay on the credit report for 7 years. Suffice it to say, collection accounts are bad for credit ratings.
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I'm advocating letting it go to collections, just providing a plan if it does.
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