When the phone rings with a collection agency on the line, you need to answer the phone. When you get a collection letter in the mail, you need to act on it.
One of the biggest mistakes people make when it comes to debt collection agencies is that they try to avoid the agency in the hopes that it will go away. As long as the debt exists, the credit agency will be calling you to collect.
Originally posted here:
How To Deal With Debt Collection Agencies