Even collection agencies should be reasonable

A collection agency is asking me to pay a debt. I asked them for a payment plan but the agency wants the full amount of the debt. I tried to get a loan to pay them off but was denied.

I have decided to give up my car so I will have that extra money to pay on the debt. I informed the collector of this but the agency wants all the money.

I'm trying to eliminate different things from my budget, such as cable and my cell phone, so I can make this debt good. But how do I make the collector understand that I am trying to pay this? I don't know where to go from here. -- Esther

Dear Esther,

You've probably heard the expression "you just can't please some people." Your collector fits this category like a glove. I want you to stop worrying right now about pleasing this maniacal collector.

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