Dell Financial Seriously????? who knows, Internet

Susan....not that I owe you an explanation of my situation but my account went into collections when I lost my job and was only living on one income.  I felt providing shelter and food for my children was more important than paying on a computer bill. 

IF you had read my post to begin with you would have read that I was trying to get this taken care of but you were quick to judge.  The other commenters did not sound judgmental. 

So thank you for being so judgmental. It must be nice to be so perfect! But thank you for your comments!!!

I and everyone else judged because you said you were going to file bankrupt over a computer.

In the end, you financed the computer and didn't pay for it.  If you only made the monthly minimum payments the bill would not be in collections.

Am I wrong?

1. I've learned my lesson with this collection agency.

2.  I'm not going to be filing bankruptcy, but I am getting frustrated that these people will not figure out what went wrong with my account when I had everything set up to get it paid for.

3.  Susan.....you sound very judgmental and must be perfect. I'm not complaining one bit about the financing on my computer....I'm complaining about how they screwed up my account and think it's my fault!!

What did you finance, a laptop or a desk top?

Doesn't matter, you are complaining because you have the computer but cant make your payments and blaim the finance company.  Good luck on that bankruptcy for a computer bill.

you need to rack up some SERIOUS debt first.

That is just chump change.

Make it WORTH YOUR WHILE!

What's funny is that you are saying you are going to declare Bankruptcy so they don't get one more red cent from you.

First they could care less if you declare Bankruptcy.  But if you want to go right ahead.  It would probably cost you more than the actual debt is to do that.  Then your credit will be trashed for several years to come, costing you more in the way of higher interest rates.  Oh and did I say that they don't care if you file Bankruptcy.

You NEVER talk to a collection agency over the phone, and you NEVER EVER make any agreements over the phone.  Because you have ZERO proof of what was said or agreed to.  For all you know you have just made a nice little(?) payment to the Collection Agency and it did you absolutly no good.