Collection accounts have become a common issue for borrowers in today's economic landscape. Between issues like persistent inflation , elevated borrowing rates and tighter household budgets, millions of borrowers are struggling to pay even the minimums on what they owe right now. And that, in turn, is pushing more credit card and loan accounts into delinquency, forcing borrowers to try and find the right way to respond after a collection notice appears or a new account hits their credit file.

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