That felt GREAT!

I wish I had recorded it.

I saw that a 301 area code number had called a couple times today. I called them back about 20 minutes ago.

"We're calling because your three accounts with us are past due. What's going on?"
"I've decided I'm not going to pay you any more."
"What do you mean? You can't pay us?"
"No, I can. But I've decided not to."
"Why?"
"Because I don't like your lending practices. First of all, I never opened an account with Chase. Each of these three accounts was opened with a different institution, and you now own them due to merger or acquisition. Second, all I have ever done with regard to all three of these accounts is pay on time. On my last statement, you lowered my available credit to roughly the balance owed on each account. If you want to change the terms regarding how much credit I have available, then I'm going to change the terms regarding how much I'm going to pay. Specifically: Nothing."
"So you're just going to let these accounts run up late fees and interest for 7 months and then charge off?"
"Yep."
"You realize that it's going to be a substantial hit on your credit."
"Don't care. In fact, I know which law firm will represent you when this goes into default, so I'll just wait until I deal with them. Probably reach some kind of settlement, and they'll also get a cut. And they'll pretty much have to settle, because I don't own anything from which you can collect, and I'm self-employed, so it's not as though you can garnish my wages."
"But you used these cards."
"That's in the past."
"So you're just not going to pay this $14,000 balance you owe?"
"Nope."
"You realize we're going to call you every five to seven days for the next six months or so?"
"You're wasting your time."
"I'm in collections, so I can't see why they changed your credit line. Do you want me to transfer you to them so you can ask and see if you can work something out."
"No. I'm not going to waste my time and yours jumping through your hoops. It's not going to affect whether I pay you anyway. I don't care. Whatever decision was made, Chase is now going to have to deal with the consequences."
"Okay, we'll call you in five to seven days."
"You're wasting your time, but go right ahead."

Maybe it's not the American Dream, but it's my dream: Telling someone to go f##k themselves when I know I have the upper hand. Bring it, Chase. You're f##ked.