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AlexisAutumn

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How do you pay a debt once it reaches collections?
I have two phone and internet bills from years ago that are in collections and some hospital bills that are also in collections. Do I pay the original bills or do they have to be paid through the collection agency?

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Tread very carefully or you'll re-age the debts.  Call each collector (not the original creditor).  Ask them if they are willing to do a "Pay Per Delete".  In other words, you'll pay them off and they agree to remove the account from your credit report entirely.  Get that from them in writing before making any payments.  Once paid off, if the account(s) still show up on your report, then write to each credit bureau and send them a copy of the Pay Per Delete agreement from collector.  If you don't do this, they can continue to report for 7 years from date you paid it off.  If you don't pay them, then the account(s) will fall off your credit report 7 years from the date it went delinquent.  Best of luck!

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