Latest Posts
Home > Ask The Get Out of Debt Experts > The Collection Company Will Not Make Payment Arrangements With Me. – Dee

The Collection Company Will Not Make Payment Arrangements With Me. – Dee

“Dear Steve,

I owe a collection agency for a debt that i owe to the college I graduated from. They will not make payment arrangements with me and I do not want my wages garnished.

Dee”

The Answer

 

Dear Dee,

There is nothing that requires a collector to make payment arrangements with you. The collector also can’t sue you unilaterally if they are truly a third-party collector and not the new owner of the debt owed.

Get Out of Debt Free Hotline

Your best bet at this point is to contact the college and speak to them about making payment arrangements on the debt since the debt collector won’t. If the college wants to they could always sue you and then go back to court for permission to garnish your wages. Enlisting their cooperation in this matter and showing them you are both able to and willing to make payment arrangements is your best approach at this point.

And while it sounds crazy that the debt collection company will not make payment arrangements with you, their contract with the college may not allow them to. They can only make the arrangements if the client, the college, allows them to make them. Additionally the collector may just be pushing you for a full payment so they don’t have to waste their time dealing with monthly payments.

Please update me on your progress by posting updates here in the comments section of your question. I’m very interested in how this works out for you.

morehelp1” width=
“Choice1”“Choice2”
“Choice3”The Secret of Surviving Through Difficult Economic Times. What I Learned On My Journey‘.

Big Hug!

Get Out of Debt Guy – Twitter, G+, Facebook

If you have a credit or debt question you’d like to ask just use the online form.

Get Out of Debt Free Hotline
debt settlement helpstudent loan help

About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

Get My FREE Get Out of Debt Guy Newsletter

It is the smart thing to do.

I promise to keep your email safe and secure.

Close

I want to keep you posted each weekday with just one email about the latest get out of debt news, scam alerts and information to beat back debt.

You can unsubscribe at any time with just one click.

After you subscribe, check your email to confirm your subscription. If the confirmation email does not appear in your inbox in a few minutes, check your spam folder for it. Sometimes it likes to annoyingly hide there.


  • It will keep you posted on the latest scams.
  • You will be alerted to the latest articles.
  • You will wind up smarter than everyone else dealing with debt.

Get My FREE Get Out of Debt Guy Newsletter

It is the smart thing to do.

I promise to keep your email safe and secure.

Close

I want to keep you posted each weekday with just one email about the latest get out of debt news, scam alerts and information to beat back debt.

You can unsubscribe at any time with just one click.

After you subscribe, check your email to confirm your subscription. If the confirmation email does not appear in your inbox in a few minutes, check your spam folder for it. Sometimes it likes to annoyingly hide there.


  • It will keep you posted on the latest scams.
  • You will be alerted to the latest articles.
  • You will wind up smarter than everyone else dealing with debt.