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Nora52291

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how do i go about paying off my debt if its in collections

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A debt goes to collections when the original creditor (your doctor, for example) has been unable to get you to pay them directly, despite all their best efforts.  So they sell the debt to a collection agency who has the time and personnel to make the calls and notices to collect.

You will have to deal with the collector to pay off the debt.

HOWEVER, if this collection account is showing up on your credit report here and you have not received calls and letters from a collection agency, go to freeannualreport.com and get all 3 credit reports. Go over them thoroughly and file disputes with the credit bureaus that are reporting the errors.  Only dispute things you know are not correct.  The credit bureau must investigate this and let you know the results.

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