Keep the collector at bay and at the same time a better credit score.
1. Call Collector
2. Negotiate the amount of money affordable w/ own situation
3. Ask for the result of the negotiation in writing
4. Pay negotiate amount on or before due date
5. Keep track of records
Result: Less restless nights with a budget you can afford
Good tips! Especially with the way things are right now, the collectors are more likely to work with you if they know you want to send them money.
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