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And judgments can lead to garnishment of your wages or assets.

Plus, paid collection accounts generally weigh less heavily on your credit scores than unpaid account, especially in the long term.

By the way, it’s a myth that as long as you are paying something toward a debt (even or ), it can’t be turned over to a collection agency.

Once a debt has been sent to collections, you may have no choice but to When you do come up with a payment arrangement, or a debt settlement letter, get it in writing before you pay a penny.

If a debt collector or creditor is calling about a balance you just can’t pay in full, the last thing you probably want to do is talk with them.

But here’s one reason to pick up the phone: You may find the creditor or collector is willing to negotiate.

If it is unlikely you’ll be able to pay back your debts, or if debt collectors are hounding you, request a free consultation with a bankruptcy attorney.Write down the name of the person you talked to, when you talked, and what was discussed.Not only can this help you take the emotion out of the situation, but you’ll also have a record if the creditor or collector broke the law in their attempts to collect.Otherwise, the terms can change and it will be your word against theirs.We’ve heard of consumers being hounded for balances they thought were resolved years before.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.

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