Debt collectors push you around if they sniff you don't know their game or more aptly your legal rights. So before you engage them to make any arrangement Google these and become an informed consumer, it will save you potential trouble in the future.
1-what to do when you are contacted by a collections agency.
2-your rights under federal laws FDCPA and FCRA
3-Validation of debt (VOD), cease and desist (C&D), CMRRR
4-Your state's Statute of Limitations (SOL) on debt.
5-post your questions at debtorboards dot com if things get thick
6-Settlement Offer Letter - very important don't pay anything without it.
-If your state's SOL is expired the debt is noncollectable, period! That's why you
-Never ever accept/agree/acknowledge you owe/own a debt. Per Federal law first demand a VOD. Use CMRRR (you can call but not recommended. Be sure to record the call)
-VOD must be the original document with your signature on it, not a letterhead stating some amounts owed.
-NEVER EVER confirm your your personal info. Tell them to mail whatever to the address on file.
-if you legitimately owe a debt don't pay anything without a settlement offer letter.
-mail checks with tracking No. or signature required, no electronic access to your bank ac. you will be cleaned out. Keep records for life.
TOO MANY CALLS, CALLS TO FRIENDS, WORK ETC
-Send a C&D by CMRRR stating when, frequency and how they will contact you.
-If you talk to a CA ALWAYS write down immediately, who called, where from, said what, why, when, what, i.e. everything. This is acceptable evidence in court.
-If CA violate your rights each infraction is worth $1000 to you. Thus, use CMRRR and/or record all calls ->evidence is $$$ for you. No lawyer?, sue pro se, see #5 above