This is how it is most of the time; there's very little collection agencies can do to collect debts for instance, except scaring you into submission.
"But but but they can ruin my credit report" if a collection agency is involved, your credit is already ruined. Dropping from 425 to 415 won't change anything; in fact, paying the collection agency often makes it worse (resets timer)
This is how it is most of the time; there's very little collection agencies can do to collect debts for instance, except scaring you into submission.
"But but but they can ruin my credit report" if a collection agency is involved, your credit is already ruined. Dropping from 425 to 415 won't change anything; in fact, paying the collection agency often makes it worse (resets timer)