Feb 22, 2012
Well.. I'm now out of debt and the little money I owe ($200ish paypal credit) is always paid on time, sometimes even before its (absent minded). So I can tell you guys this.. It's not a debt collector so don't worry. You can breathe again.
However.. If you ever have debt collectors calling.. Just answer it. If you can make the payment, then let them know and possibly arrange something with them. They don't care how they get their $$ as long as your making an effort. Plus, it'll keep the annoying calls to a minimum unless you signed up for something free like I did and now getting calls from these people.. :/
That's what I did and now I'm almost worry free. Just gotta finish college then I'll be fine.
Good luck guys!
-Nick