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Figuring out how to work a dea to a debt collector, you have to be extremely careful about how you go about it. You must understand to control the conversation to keep yourself from mentioning something that could be used against you as evidence if they went ahead and to try and take it to the judge in the future. The reality is, what you talk about over the phone might be a tiny factor in them attempting to sue you to start with. Find a competent credit card debt relief agency asap.

When a debt collector wants to contact you, the wise thing you can do isn’t engage in conversation with these people at all. All they’re going to do is harass you to attempt and get money on the bill. They are likely to inform you a lot of issues that aren’t the truth. They will try and get you to not pay on whatever else it is you might be needing to pay on like an automobile loan, water, or even mortgage bill. They will try and tell you that it’s okay to stop one of those obligations.
Another aspiration of theirs other than trying to collect on the account is to put together evidence against you so that if the creditors ever attempted to win a court ruling against you, they will have gained intel to pursue you in the court system. The logical option to resolve this is with a debt relief program.