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How to Pay Collection

Are you facing some problem while trying to overcome unpaid debts send to a collection? Then you’re at the right place because in this article we are going to cover the hindrances you might face during the process.

The two most common glitches are:

  1. Coming up with enough money
  2. Negotiating a payment plan

pay collection

After conquering these obstacles, you might be wondering how to pay collections to a debt collection agency – Let’s review how to pay collections below:

  1. Verify the Debt

    We recommend our clients neither show ownership to the debts no make any payment without confirming the stature of your debt limit (as per your state regulation). In several states, the clock on the statute of limitations will restart since you acknowledge the payment and collector can’t sue you for that debt, but that doesn’t mean the payable amount waived.

    So, it’s your legal right to verify your payable amount to ensure you are not the victim of a debt collection scam. You can ask your collector to send a formal letter, so you can verify with the state attorney office or may consult with other collection agency to get a second opinion. In case your collector is a scam, you can submit or file a claim against them.

  2. Know Your Rights

    It’s mandatory to know your legal rights if your debt goes in the collection. The summaries are as follows

    • You have full-right get a formal collection letter from collecting agency.
    • He (Collector) cannot harass, threaten, or lie to you.
    • He’s (Collector) not allowed to discuss any of your matter with anyone else. In some cases, they can ask for some help from your friends or family just to reach you.
    • He’s (Collector) bound to comply or follow working ethics and cannot disturb your during office hours if you ask them no to.
    • You are also allowed to hire an attorney and let him handle your collector.

    There is some law of ethics for how long collection agencies are able to pursue legal action against you. Be sure; you understand that in your state and other protections granted under your state’s law.

  3. Determine What You Can Afford to Pay

    Planning or preparing a monthly budget allows you to decide what you can pay each month but make sure you have a realistic budget so you won’t get into another trouble. It’s the best strategy which you can use while negotiating with creditors.

  4. Negotiation or Debt Payment Plan

    Don’t be afraid when you’re unable to pay your debt at once because negotiation is real. In this way, you can ask your debt collector to reduce the amount you must repay. You can learn more about cracking successful negotiation tips. Let’s review some quick advice here:

    • Be honest and explain your financial situation to the collector.
    • Always show your determination about paying your debt – In this way, you can ask them to cut down the payment you must repay.
    • Be ready to get a counteroffer from the collector.
    • Don’t reach an agreement at once; go through it.
    • After finalizing, ask them to write in detail before submitting any payment.

    In the worst case, you might fail to crack a successful negotiation deal and end up paying the debt in full. Make sure, you stand firm on your decision and never fear off collector threats because he’s not allowed to do so. So, always be friendly with them and try to crack in any way; otherwise you get into another trouble.

  5. Make Your Payment

    After acquiring a formal letter from your collector, please read and review it carefully for accuracy. Now, it’s time to make a payment and there are several ways of making a payment. In short, there are few recommendations to keep in mind before making a payment such as:

    • Don’t give your bank account or other cards details.
    • Always try to pay with certified check or money orders if possible.
    • Keep an eye on additional fees while making a payment and asked them to be waived if there are additional dollars on that.
    • Do confirm with your collection after making payment instantly.
  6. Document Everything

    Don’t forget to document everything you’ve settled with the collector from agreements to payments thoroughly. Sometimes, debt collectors change the agreement and the payable amount to bluff individual. So, make sure you’ve all the document recorded, received, and by both parties.

    It’s better that you send that copies to your collector via e-mail just to keep it recorded electronically. Moreover, you can keep following with debt agencies to check either your payment credited or not. So, keep these records in a place you can access them easily and indefinitely because debts sometimes resurface years later.

  7. Best Way to Pay Collection Agency

    If you’re getting confused about the best way to pay your collection agency then below are the mediums which you can opt:

    • Direct Transfer from your account
    • Personal Checks (Post Dated)
    • Credit, Debit, or Prepaid Cards
    • Money Order, PayPal, or Law office checks

    Each off these methods has its own pros and cons.

  8. Should You Pay Off Collection

    Don’t take this subject lightly because not paying off your debt might badly affect your credit score, which has severe consequences while dealing with banks.

  9. What if You Don’t Owe Money

    For whatever reason, if you came to know that you don’t owe a debt, then you can submit a dispute with 30 days from the initial date of the letter received.


So, paying your debt is important and not as difficult as it seems. If you know the process, then you can conquer the pay collection process easily.

Moreover, it’s important to keep an eye on your credit report, which may become easily by signing up here!


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He worked as an attorney practicing insurance defense and commercial litigation. He covers lenders, bank accounts, mortgage rates, refinance rates, and borrowing and savings tips. You can reach Chris Miller at

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