Re: Collection Agencies
First off, store their number on your cellphone in the caller id. Set the ringer to silent. If you don't pick up, they can't talk to you. Yeah, its low, but what other options you have?
You do need to pay this off. Now this is a small balance, but credit consolidation is big. They will negoitate with the CC company to get a monthy payment plan. You will miss a lot of extra fees/interest the CC slap on there. You should call the credit consolidation only when you have the funds to make a monthly payments. They can setup to be like $80 a month.
Credit raiting is important to keep in the good, but its not the end of the world. You eventually need to pay it off.
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