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Never budgeted before? Or maybe you have and you’re looking for some new ideas? It’s one of the most dreaded calls you can get – the debt collector. Make sure you don’t give up your rights or pay more than to send you a letter with the amount you owe, the creditor, and what to do if you don’t believe you owe the debt within five days after getting in touch with you. However, the debt collector will still try to get information and convince you to pay on that first contact. to the collection agency telling them that you don’t owe what is claimed. You must do this within 30 days of them providing written notice about the debt. Once you do this, the debt collector must provide proof of the debt before contacting you again. If you mail a collection agency a letter, you’ll have no proof they received it. Cover yourself by paying a little extra to send your Until you know that the debt is yours and is still valid, don’t make any sort of payment or even agree to a payment. Here’s why: the debt could be past the statute of limitations, in which case you’re no longer obligated to pay it. If you make any sort of payment, the Every time a debt collector talks to you on the phone, they’re trying to get as much information as possible about you. They want to find out if you have the capacity to pay and, if so, what is the best way to get you to pay up. Remember that the debt collector is not your friend and that you don’t need to provide them with any information. Answer the questions you want to answer, but keep those answers Obviously, the debt collector is going to attempt to collect the entire amount of the debt from you. It’s important to realize that collection agencies buy these debts for pennies on the dollar, and debts often go through multiple collection agencies. Use that knowledge to your advantage. Offer a very small amount of what you owe, such as 10 percent. The debt collector may not accept, but they will likely lower the amount they’re willing to accept. Haggle enough and you should be able to settle the entire debt for about 30