If they are in collections it’s likely a debt buyer has purchased your debt. They buy the debt you have for pennies on the dollar so your 10,000$ debt might only be 3 grand to them. You can always call the collection agency and ask “Hey, I know the debt is 200$ but can we settle and I send you a check in the mail for 100$? They’d rather have some money than no money I a lot of cases. DO NOT, let them take it out of your account. Only send them a cashiers check or money order. If you give them access to your account you could end up with them taking more than they should. Take an hour and watch the last week tonight episode on YouTube about debt buyers and check out Dave Ramsey’s YouTube videos about dealing with collections agencies. Best of luck to you!
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