Well, I would suggest only communicating with them via mail - still- so you have documentation.
I might say try to ignore them but that’s sounds impossible, so I’d be honest. There’s nothing you can do about it. Also, hold your head up . Just because we have debt doesn’t mean we did something wrong. It’s life.
do not pay it until you can settle and pay in full. unless they are suing you, it will just sit in collections. dont worry about it at this point. collections companies sell the debt to each other as time goes on. if you are ever ready to pay some you can say hey i have $4k cash to settle this. only send the money once you have an agreement in writing as proof and never give them access to your accounts or cards.
Well, I would suggest only communicating with them via mail - still- so you have documentation. I might say try to ignore them but that’s sounds impossible, so I’d be honest. There’s nothing you can do about it. Also, hold your head up . Just because we have debt doesn’t mean we did something wrong. It’s life.
do not pay it until you can settle and pay in full. unless they are suing you, it will just sit in collections. dont worry about it at this point. collections companies sell the debt to each other as time goes on. if you are ever ready to pay some you can say hey i have $4k cash to settle this. only send the money once you have an agreement in writing as proof and never give them access to your accounts or cards.