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Money and Finances
Reply to "Debt that's already gone to collections"
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[quote=Anonymous]Agree on the credit counselor. Creditors don't always report things to credit reporting agencies. Reputable credit counselors can help you negotiate payment plans and/or a lower lump sum payment. Even though you are dealing with collections agencies, not all buy the debt - sometimes the original creditor retains control of the debt. In my experience (working in the collections industry), those where the original creditor retains some control are the easiest to work with. Good luck and congratulations.[/quote]
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