How to Settle a Debt With a Collection Attorney

Settling a debt with a collection agency attorney could help you avoid a court case. You should avoid going to court if at all possible, according to Illinois Legal Aid. The agency reports that you are sure to lose in court if you legally owe the debt and the attorney can prove it. A victory for the attorney could lead to an immediate demand for full payment and possible garnishment of your bank account and wages.

Instructions

1

Call the attorney and offer to settle the suit by paying less than the full balance. This a common practice called debt settlement.

2

Offer to settle the account for 20 percent of the balance. The low starting point leaves room for further negotiation. Continue the negotiation until you have a deal.

3

Get the terms in writing before making a payment. The terms should include the balance you have agreed to pay and due dates if you are paying in installments.