If you’ve got a document, and the language in it can convince someone in the future that you’ve both agreed to the specified terms, then that’s enough – even if it’s just three or four paragraphs long. Staple a cashier’s check or money order for the agreed-upon amount to that letter, and send it back certified mail, return receipt requested, as fast as you can. Also, make sure you keep copies of the cashier’s check or money order – along with the letter – in a safe place for the rest of your natural life! This is for your own protection, Dale. You never know when something like this will rear its ugly head again.
This kind of thing can be a problem with credit card companies. It can be difficult to be certain that you’ve reached an agreement with them, because lots of them will lie to you in a heartbeat. Some of them lie to my team when we call them, and we don’t even owe them money!
-Dave
Dave Ramsey
Dave Ramsey is a personal money management expert, popular national radio personality and the author of three New York Times bestsellers.
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