Legal Question in Consumer Law in Connecticut

You can choose to not pay the bill and let it go into collections, hurt your credit report, negotiate your self a better deal later on from a debt collector or debt buyer without as much of a vested interest (they buy these debts for pennies on the dollar) or you can later file bankruptcy and avoid the entire debt. However, you don't want to file bankruptcy simply for this debt, so if you make more consumer "errors" like this one or simply have enjoyed using your credit without the ability to pay your bills and have amassed many more debts, this may be a worthwhile option. Also when it goes to a debt collector take the time to read the Fair Debt Collection Practice Act Law and contact us. We happily sue debt collectors and charge our clients nothing as we get our fees paid by the collector. You may even be entitled to a penalty of one thousand dollars if the collector violates this law.