Facing a debt you can’t pay in full? Negotiating with creditors—or agencies like Advantage Collections—can lighten the load. Here’s how to approach it:
- Be Honest and Proactive: Explain your situation (job loss, medical bills) and propose what you can pay. Creditors often prefer a plan over silence.
- Ask for Specific Relief: Request lower interest, a payment plan, or even a settlement for less than owed—many will consider it.
- Document Everything: Confirm agreements in writing to avoid disputes later.
Negotiation isn’t scary—it’s strategic. If we’re on your the other side, call us. We’re here to find a solution that works for you.
