Do you need to pay a collection?  Or are you weighing the pros and cons of sending money to a collection agency?  I feel your pain!  Here’s how I handled it…

Imagine getting a letter from a collection agency basically saying:

“Pay Us in 10 Days or We’ll Trash Your Credit”

I thought I paid my debts, but this one came back – determined to ruin my life.

After spending 18 months fixing my credit and raising my credit score over 150 points, all that hard-work was about to go down the drain… in 10 days.

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