tay calm and patient throughout

　　Because they receive a percentage of the collected amount, they may think it's worthwhile to have 50% of $700 than %100 of nothing. You can choose to use your answering machine to screen calls before you answer the phone. Send a small amount to show that you are committed to paying the debt however if you send too much they may not bother binding to your agreement.

　　When debt collectors know the call is being recorded, more often than not they'll be on their "best behaviour. Legal action costs a lot of money so should be avoided if you can.

　　Stay calm and patient throughout your conversations because you don't want to get on the wrong side of them and make matters worse. There are even call-blocking services for filtering them out completely.

　　It may not be apparent to you but most debt collection agencies can reduce the amount you owe.

　　Start a diary and take notes of calls made and received along with the content of the conversation.

　　Make sure that all agreements are down in writing before sending large amounts of money. You should also be firm about them reporting quickly about payments you make and adjust the total amount due.

　　If you do decide to pick up glove knitting machine the phone simply and politely ask them not to call again." A diary or recording can become very important if you have negotiated a better deal on the debt. If you decide to record the calls, make sure to tell the advisor what you are doing.