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Let’s be honest, debt happens – even to the best of us – but when debt collectors get involved and they’re lighting up your phone every morning, it’s time to deal with it.  

I know it’s stressful.

I know debt collectors will throw out a lot of jargon to intimidate and pressure you. 

I know that it will feel like you must pay on the spot … or else. But I also know that when you have the right tools in place AND you know what to say and how to say it, it gives you the upper hand. 

See, before I became “The Frugal CrediTnista,” I was drowning in over $500,000 of debt, with a credit score in the 400s and my money situation was out of control.

Once I got a handle on my debt and understood what I needed to do, I sought out those debt collectors, cleared out my debt and upped my credit score by 200 points.

Listen, you don’t need to hide from debt collectors anymore. You don’t need to avoid their calls, block their numbers or stuff their letters in the freezer.