Hi Trish,

In the midst of a storm, it is hard to think clearly and make good financial decisions.

This is why it is more important than ever to get professional advice on all available payment options in dealing with this problem.

The key to making the best financial decision is to review your full financial position including cash flow.

It might also be worthwhile to consider if the debt collector is willing to negotiate a reduced amount for full payment.

There could be avenues for debt relief depending on how the debt was incurred as well.

The solution could likely be a combination of the above and more options may present when reviewing your full financial position.

You can do this directly and or engage a third party to help with the review and or negotiations.

You will come through this so it is essential to follow a path that still allows you to reach your financial goals in years to come.