Owing on a debt is depressing. Falling way behind is scary. As this past year has shown, a lot of people have had problems keeping up with their bills. It’s nothing to be ashamed about; it’s better to try overcoming the debt instead.
Many people have had at least one credit card or something go to a collection agency. Sometimes it’s legitimate, sometimes it’s not. We’re going to talk about the legitimate ones, where you know you either fell behind in payments or stopped making payments, and now a collection agency has tracked you down and is trying to get you to pay it off.
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