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How to negotiating with collection agency
The initial debt was incurred because I was told to sign a document to pay anything my ins wouldn't cover. I was in a mental unit at the time and was assured that the requested extended stay would be approved. Since, I have had to retire due to this condition. I live below the poverty line, but still pay the agency $25/mo. Should I quit voluntary payments? I will never be able to PIF. What are my options? Any known organizations that can help? I have never had an unpaid debt before. Please help

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