Workshop Four

When you’re behind on payments or in collections, the way you communicate can make a huge difference. You still have rights, and you still have options.

Start by understanding the FDCPA—collectors cannot threaten you, harass you, or lie to you. You can request debt validation to make sure they actually own the debt and that the amount is correct.

For valid debts, you can negotiate. Ask about settlements or pay-for-delete agreements and always get everything in writing before sending any money.

Your goal is not just to “make the calls stop,” but to reach agreements that support your long-term credit recovery and financial stability.