When you can, deal with your original lender. They care about reputation and continued business, not just how much money they can get.

If they sold the account, then you have to negotiate with the collector. If they haven’t written it off, then talk to your original creditor.


Nonprofit debt consolidation companies help your with unsecured debts, like credit cards. Their services include counseling and debt management plans.

They approach debt management differently than for-profit organizations.

Watch out for scams with either type. Nonprofits should not ask for upfront fees or give you a sales pitch from the beginning.