What Happens When a Debt is Sent to Collections?

Being sent to collections means the original creditor has given up on trying to collect the debt that a consumer owes. This normally happens after 180 days of no payment. The lender sells the account to a collection agency in order to recoup some of their lost money.

Debt Collection Process

Account Remains Unpaid After - 180 Days

Lender Sells Account To a Collection Agency

Account Is Reported To The Credit Bureaus

Agency Begins Contacting Account Owner For Payment

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How to Remove Collection Accounts from Your
Credit Report

Option 1:
File a Dispute with the Credit Bureau

We can help, but it starts with you. Kin Credit Repair empower every individual to achieve the credit score they deserve. Find out how we can start repairing your credit.

Option 2:
Write a Pay for Delete Letter

Kin Credit Repair has a proven pay for delete letter. This is being used to negotiate the removal of the negative item by paying a certain amount.

Option 3:
Request A Goodwill Deletion

If you have a positive history with the creditor, we can send them a letter to request the removal of the negative items out of goodwill.

Aren’t you tired of avoiding collection calls?

Learn How To Resolve Your Debt. It’s Time To Know Your Options.