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You don't mention what can happen if you go to small claims court, don't win and pay promptly. In my case, adversary chose not to notify court of receiving pmt; my fico score dropped 787 to 644. Everyone I've contacted is appalled and tells me there is nothing they can do. I've written the judge, her concern was that adversary was paid; she has no interest in helping with damage he caused me! I'm still trying to regain my credit standing & this began 3/07. I would never trust small claims court again. A $500 auto repair bill turned into a ruined credit standing!
By Pat Danenberg
