Debt collectors receive many types of accounts for collection. While collections on unpaid bills have similarities (mainly getting you to pay), there are different ways to handle collection accounts. How you manage your way through being contacted by a collection agency who is trying to get you to pay on legitimate debts you fell behind with should first factor on what you are able to do. Do you want to resolve the collection accounts? Are you unable to put together resources that can help you in developing a plan to deal with the debt collectors? Do you need to buy more time to put together a plan of action? Have you experienced abusive debt collection practices and need to learn about and protect your rights?
There are many tools and resources throughout our site that will help you address your past due bills; different debt collection agencies and; debt purchasers.
- Should you negotiate your debt situation with creditors?:
Find out whether or not you should negotiate your debt situation with creditors. Know how and when to negotiate with creditors.
- How to contact creditors:
Know how to contact creditors/collection agencies to negotiate for a repayment plan.
- Mailing guidelines for contacting creditor and debt collector:
Check out the mailing guidelines for contacting creditors and debt collectors.
- How to request creditor for an alternative payment plan:
Use this letter to negotiate an alternative repayment plan with your creditor.
- How to contact creditors for a reduced payment plan:
Use this letter to contact and request your creditors for an alternative repayment plan.
- How to counter a debt settlement offer:
Check out the counter offer debt settlement letter. Use this letter to counter a debt settlement offer.