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how do I get collectors to make a payment plan so I can pay them off?
I'm a student and i work 15hrs a week. How do these people think I have all that money laying around? I want to pay them off but NO ONE will do payment plans. They want all of it right their, one lump sum! Who do they thing I am Bill Gates? Again, I WANT to pay them off but I can only do payments. HOW CAN I PAY THEM OFF IF THEY WON'T WORK WITH ME????? I'm already homeless, what more do they want?

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