If you simply ignore calls, don’t respond to mail, and stick your head in the sand regarding the debt, you are going to make matters worse. Even if you don’t have a concrete response as to when or how much you can pay, it is best to communicate this openly to the agencies.
Transparency shows you aren’t simply trying to run and ignore the fact that you owe money. Communicating with the agency can make your life easier in the long run, and help you avoid legal repercussions in the future as well.
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