why pay

paying them will help you to avoid lawsuit. It may also affect your job prospect as your employer may have a negative impression about you if they find "unpaid collection" after doing a credit check

Why pay? Because not paying will simply sit there on your credit report (for a long time) and will look bad to any future creditors if you don't pay.

Try to make a payment arrangement - and stick to the terms of the arrangement. Not paying after you make a payment arrangment will only make things worse. "PAID AFTER COLLECTION" looks much better than "UNPAID COLLECTION" on your credit report.

The only reasons you should not pay is that you are penniless, or jobless.

You should pay because when you signed up for what ever signed for , you said you were going to pay them. Dont pay them just because you dont want to. Dont pay them because you dont have it instead.

Actually a paid collection is jsut as bad as an unpaid as far as your score goes.

It's easier to improve on Paid Collection than Unpaid Collection.

PEOPLE WHO HAVE ALWAYS PAID AD NOT DEFAULTED HAVE HAD THEIR CREDIT LINES AND SCORE GREATLY REDUCED..FYI DO YOU AGREE WITH THA TRUTH?
I THINK PEOPLE WHO ARE NOT PAYING NOW WILL BE GROUPED INTO A HUNK AND SOMEHOW WRITTEN OFF DUE TO CIRCUMSTANCES THAT THE CREDIT CARD COMPANIES CREATED AND THEN NEEDED BAIL-OUT MONEY TO KEEP OPERATING-----THEY GAVE THE BAD LOANS AND DIDN'T ASK FOR ANY PROOF OF INCOME THEY MADE HUGE HUGE PROFITS UNTIL THE WALL CAME TUMBLING DOWN---- NO ONE SHOULD PAY IF THEY ARE IN ARREARS---PEOPLE WHO PAY NOW AND TODAY AND HAVE NEVER DEFAULTED HAVE LOWER CREDIT SCORES AND A HARDER TIME RECEIVNG CREDIT---ANYONE IN ARREARS SHOULD NOT PAY UNTIL THE WHOLE SYSTEM IS RE-WORKED
!!!!!!!!!!!!!! DO NOT PAY IF YOU HAVE DEFAULTED ON ANYTHING!!!PEOPLE WHO PAID ON TIME HAD THEIR CREDIT SCORES REDUCED IN THIS ECONOMY--WHY SHOULD YOU CARE WHAT YOUR CREDIT SCORE IS NOW OR WIL BE IN THE NEXT FEW YEARS?????????? DON'T!!!!!!!!