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Get practical solutions to manage, pay-off and negotiate debt with collection agencies.

Once a debt is sold to a collection agency you have a chance to settle the debt for a lesser amount, often pennies on the dollar.

Paying only the minimum on credit card accounts could mean you end up paying three times the original purchase.

Question: Can a delinquent account be sold multiple times to different debt collectors? If so, how long can that negative

It’s not unusual for unpaid debt to change hands but only one debt collector can report on your credit history for the same debt.

A collection agency can continue to update the account on your credit reports up to the date the reporting time has expired.

A pay for delete is a way to negotiate with a collection agency to remove an account from your credit reports in exchange for payment.

Keep your cool with these 17 Tips to Deal with Debt Collectors: Stay calm, stay off the phone, know your rights and request proof of debt.

A simple debt validtion letter example that can be used to request debt validation from a collection agency.

Choosing the right credit counseling agency can make the difference in reducing your debt or digging yourself further into debt.

Strategies to dispute collection accounts include finding errors on your credit report and requesting a deletion.