One of the most harrowing experiences of any adult Mississippian's life is dealing with debt that has gone into collections. When someone who owes a debt, whether the dollar amount is small or staggering, the debt can go into collections if no payment is made for a certain amount of time and attempts to reach the debtor are unsuccessful.
While it is always helpful to prevent a debt from going to collections, sometimes mistakes are made and the creditors turn the debt over to a third party collector. This can happen with many types of debt, but the type most Americans are probably used to is credit card debt. If one has credit card debt that the person can't immediately repay, fortunately there are steps that can be taken to reduce creditor harassment and move forward productively.