Legal Question in Credit and Debt Law in California

Re: consumer rights - bill payment

From your question, its not clear whether by "payment in full" you mean payment of your monthly charges in full, or payment of an amount they claim you owe them as a result of a default on a contract. In either case, the answer is pretty much the same.

Yes, if you owe AT&T money, they can demand immediate and full payment, unless you have a written agreement with them that says otherwise. So, if you are talking about the monthly charges, and not paying them in full, your contract states that you will pay, within the timeframe set forth in the contract, all monthly charges when due. Paying something each month doesn't relieve you of the obligation to pay the full amount each month. If, on the otherhand, you are talking about an amount of money you owe them for a balance due on a contract, then you owe the entire amount immediately unless you have (in writing) an agreement with them that says otherwise. Sadly, under these consumer contracts, "close" doesn't cut it. If you are otherwise unable to meet your current obligations, you might want to consult with a bankruptcy attorney.

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