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will vary, depending on your full credit profile, agreeing to pay less than you originally owed can wind up hurting your scores — but it still may be your best course of action.

Allowing a debt to go unpaid can lead to further adverse action from your creditor or collector, like a charge off or judgment.

These sentences could include: Try to stay calm, no matter what the person on the other end of the line says. If you find yourself losing your cool, just tell the collector you’ll have to talk with them later and hang up.

If you need to talk with that representative again, tell them you’d like to record the conversation. If a collector says you’ll be sued, or that you’ll lose property if you don’t pay, just calmly ask for specifics: “When can I expect to be notified of this lawsuit?

Collectors, specifically, tend to buy debts for pennies on the dollar, which means they don’t need to recoup the full amount you owe to reap a profit.

As such, there’s a chance one will agree to a settlement.

Comments on articles and responses to those comments are not provided or commissioned by a bank advertiser.

Responses have not been reviewed, approved or otherwise endorsed by a bank advertiser.



But here’s one reason to pick up the phone: You may find the creditor or collector is willing to negotiate.Otherwise, the terms can change and it will be your word against theirs.



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