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If possible, try to work out an agreement with your creditors before a bill is sent to collections.While late payments affect your credit reports and scores, collection accounts can result in even greater damage.If a debt collector or creditor is calling about a balance you just can’t pay in full, the last thing you probably want to do is talk with them.But here’s one reason to pick up the phone: You may find the creditor or collector is willing to negotiate.

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Once a debt has been sent to collections, you may have no choice but to When you do come up with a payment arrangement, or a debt settlement letter, get it in writing before you pay a penny.

Creditors, too, may be good with reaching an agreement, since the alternative is to write the debt off as a loss.



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He invited them all to dinner and gave each one designer luggage filled with bills! George said many of his longtime friends –“the boys” -did not achieve the success that he did, so he wanted to relieve their financial worries.… continue reading »


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