I have a 4 year old debt from a check cashing agency that was referred to a debt collection agency?

By law, all you have to do is make regular payments of minimum $5 a month. They will protest and scream bloody murder, but as long as you pay, they can't do nothing and can't report you to credit agency. Remember any loan is a promise to repay and it is based on 2 thing: 1) the willingness to pay and 2) the ability to pay.

Show willingness ($5 a month), claim inability to pay more. DO NOT avoid their phone calls - negotiate and DO not back down. There is nothing they can do, BUT do not get intimidated.

If they take you to court (which will never happen because they know the law) the judge will tell them to get lost. Collection agencies act on the premises that people DO NOT know the law and they can be intimidated. Do not let them.

I cant really gove you an answer,but what I can give you is a way to a solution, that is you have to find the anglde that you relate to or peaks your interest. A good paper is one that people get drawn into because it reaches them ln some way.As for me WW11 to me, I think of the holocaust and the effect it had on the survivors, their families and those who stood by and did nothing until it was too late.