How to Deal With Collection Agencies

If you’ve ever had the displeasure of dealing with collection agencies you know what a pain in the neck they can be. They will call you umpteen times a day, send you threatening letters, and maybe even call your neighbors. The whole point of the effort is to get you to pay money so they will go away.

If you owe someone money that you have been unable to pay, you might not be able to make the collection agency go away. But you may be able to find a better way to live with them, at least until y...