1. They work on commission
2. The more you pay, the more they get paid
3. Don’t Argue – they have all day to argue back!
4. Don’t ask for a Supervisor – you cannot win an argument with them
5. Don’t give them any info over the phone – they should have it
6. Make all payments with a money order or certified funds
7. Keep records of mailings with return receipts
8. Get written confirmation of any negotiated payoffs
9. Wait for them to call back with a better offer – don’t take the first offer
10. Keep copies of your credit reports
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