My credit card debt was handed over to a debt collector. I now receive calls from the collector telling me the matter is important and to call them. The amount owed is reasonable and I am able to pay the total sum back on a date under 3-months from now. My question is -- if I call the debt collector and ask for this payment date (approximately 90 days) are they going to be OK with this or do they simply take me to court or file something?
I understand more facts may be needed, but in your general experience as attorney, is this a possible way to go?