If you're being harassed by a debt collection agency, the best approach is to ask for their contact information and a file reference number, along with the details of the debt and to offer to call them back shortly. They will attempt to establish a payment plan on the spot, so feel free to hang up on them, if necessary. Put together a budget and determine exactly what you can afford to pay.Be realistic, but fair.
Courts will not expect you to live on bread and water, but still require that you pay your debts. When you have this together, call back and offer this solution. They may not accept it, but ask them how to pay them anyway and follow through.
If they insist on continuing to harass you, indicate that they take you to court, and continue to pay according to your plan.
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