Depending on the bills, different things can happen if you fail to pay them. In some cases, your service provider will just temporarily disconnect you, while in others, you might be even taken to small claims court. Some providers will leave it to a collection agency to handle the situation. Should something like this happen, you need to be prepared and act accordingly. Here’s what you should do when going up against a collection agency.
- Find out more about collection agencies and how they operate
- Keep a record so collectors cannot wrong you
- Offer to pay a part of your debt for a start
Even though it is their job to do anything they can to make you settle the debt, there are still certain things that collection agencies are not allowed to do. Make sure you do some research, so you know what they are allowed to demand in your situation . The most important question to answer is whether they can take you to court. This is possible if you have an unpaid phone bill, for instance.
Keep a record so collectors cannot wrong you
When dealing with a debt collection agency, the safest way to protect yourself is to have a paper trail of everything. The only way to rest assured that they don’t wrong you is to record every step of your debt progress . How can they ask for more money if you have proof of how much has already been paid, right?
Offer to pay a part of your debt for a start
Even if you can’t possibly pay off the entire debt at once, there still might be some room for negotiation. Talk to the debt collectors about the possibility of paying off a part of your debt for a start . You never know-they might accept your offer regardless of the amount you’re able to pay at the moment.
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This grant program is designed to help low-income families who can’t afford to cover heating and cooling energy costs . The Department of Health and Human Services funds the LIHEAP grants by states. Each state has specific eligibility requirements that applicants need to meet. This means that the income level considered low enough to allow the grant may also differ from state to state. On average, these are annual household income limits:
What is going to happen if I don’t pay my bills?
| To qualify for the limited funds that this organization offers, you need to have proof that you’re going through financial hardship. Not only can the Salvation Army help you with monthly bills, but it can also offer assistance with other basic needs, such as food and shelter. Their family emergency services include counseling, too. |