“Don't react with fear and panic in the face of debt collector threats. Talk to them and explain your situation. See if you can work out a compromise.”

“Debt collectors like to play on your emotions because they think you'll give in and do something you can't really afford to do. Most of them don't care about you or your situation as long as...”

“If you're doing something like scheduling utility payments to come through your debit card or out of your personal checking account, that's perfectly fine. But there are much safer ways to h...”