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Sagot :
Answer:
First of all, I could inform Billy that collection agencies cannot falsely claim that he had committed a crime or say that he will be arrested if he does not repay the money he owes. Failing to repay a medical bill in a timely manner would not land him in prison.
The law also states that debt collectors are not allowed to harass debtors. They are not permitted to call in the early hours of the morning and call repeatedly. Billy can actually order collectors to stop contacting him.
Next, as his account/medical debt had already been sold to collections, he should contact the collection agency to work out payment arrangements. If he is unable to pay the debt in full, some collection agencies may offer a settlement amount. Once he has paid off the account, the collection agency will notify the credit reporting companies it reports to that the account should be updated to note it has been paid in full. He should check to see how his account is appearing by ordering a copy of his report from each of the three credit reporting agencies.
After all these, Billy should then work on rebuilding his credit score.
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