A collection agency called me. Do I have to talk to them?
Question & AnswerA collection agency called me. Do I have to talk to them?
3. Talk to a non-profit credit counsellor
A non-profit service may be able to help if you have a lot of or have trouble paying your bills. They'll meet with you to discuss your options.
They can also help you if you're dealing with a .
For example, they can tell the collection agency that they're helping you to make a plan to pay back your debt.
Sometimes, a counsellor can convince the collection agency to:
- let you pay back less money than they're asking you for
- lower the rate that you're paying on the money you owe
- give you more time to pay back your debt
Paying a fee
Non-profit counsellors charge money to help you. But if you can't afford to pay, they might charge you less or nothing at all.