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Adulting

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Collections Debt
Is there a way through this site to consolidate the collections debt to pay off or do I need to reach out individually to each collector to pay off that debt?

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Top Contributor
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I advise taking the time to read the articles here to learn how credit works and how to negotiate debt settlements.  You will have to do the agreements individually since each one was a contract you entered into (and defauleted on) with the original creditor.

Top Contributor
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This needs to be done separately, you cannot "consolidate" collection accounts.

Before proceeding you need to consider some things, such as: How old are these accounts, will they fall off any time soon? Are you legally on the hook for the debts, has the "statute of limitations" expired in your state on these debts? Understand that "paid" collections are not much of an improvement on your credit, they are still collections. Do some reading on "pay for delete agreements" as you really want collections REMOVED rather than just marked as paid. Understand that sometimes it is best to let accounts alone that are aged and due to fall off in a year or two and are outside the "statute of limitations", sometimes not though, it all depends on your situation. Do some reading on all of this before proceeding with anything, mistakes are easily made when trying to clear up negative info on credit reports.

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