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Putting a debt on the back burner is not a good option for your credit history. Years can go by. And your record will be tarnished by that debt from the past. Today there are many solutions and here are the best tips.
Ignoring debt collection
This is a fatal mistake for your credit history. If you are unable to pay that debt, there are entities such as US National Credit Solutions who advises you on ways in which you can alleviate this situation.
If the debt is not yours, but you are being charged, you should inform the debt collector. If the debt is yours and you cannot pay it, you may be able to work something out with the debt collector. You can also ask the debt collector in writing to stop communicating with you, which will stop communications. But not the existence of the debt.
There are several options, including reaching an agreement with the debt collector, which is the best option. In some cases you may be able to reduce your 50% debt, depending on your case.
Consulting with your credit counselor is the most effective way to find out what you should do in your case.
Credit counselors are organizations that can give you advice on managing your money and debts, help you develop a budget, and generally offer free educational materials and seminars.
It should be noted that ignoring or avoiding a debt collector may cause the debt collector to use other methods to try to collect from you, including filing a lawsuit against you. If you are unable to reach an agreement with a debt collector, you may want to contact an attorney who can offer legal advice about your situation. Your local legal aid office may have information available at their office or website. You may also be eligible for free advice through legal aid or legal clinics, depending on your income and place of residence.
Ways To Negotiate A Settlement
Be prepared to negotiate a settlement or payment agreement with a debt collector of debts. To do this, consider this three-step approach:
- Find out about the debt.
- Plan to propose a realistic repayment or settlement that is reasonable.
- Negotiate a realistic agreement with the debt collector.
Payment Plans
If you want to make a proposal to pay off the debt, review your debt priorities first, as falling behind on other bills by paying this one could cause more problems.
