The last thing you want is to end up in court for money owed, but you are unsure if you should pay the collections agency directly or if you can even afford to make any kind of payments. So, how should you deal with collections after your creditor has turned over a past due account?

If you are facing a debt collection lawsuit, it can be nerve-wracking and stressful. But the court’s involvement does not need to be scary. In fact, sorting out your financial obligation to a creditor in court can sometimes even work in your favor.

Facing wage garnishment is stressful, but the key is to remain calm. While it may pose a temporary financial challenge, it is possible to rebuild your credit and to return to firm financial footing sooner than you may think.