Most people shouldn't have a problem talking to a debt collector, but if you're uncertain of how to handle yourself over the phone, we're here to help.

Knowing what to say, or what you shouldn't be saying, is key to setting the foundation for a good settlement with your bank or a collection agency.

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Michael Bovee started CRN in 2004 with a mission to provide people in need with detailed credit and debt help. The DebtBytes Channel is an extension of the CRN blog, and is dedicated to finding the debt relief option or strategy that works best for you.