Can a debt collector refuse to work with me to create a payment plan?

Yes, a debt collector can refuse to work with you to create a payment plan in the state of Florida. This is because debt collectors are legally allowed to choose which payment plan they agree to provide to you. However, in some cases, it may be beneficial for the debt collector to create a payment plan with you. A payment plan allows you to pay back your debt over time in smaller, more manageable amounts. It is important to note that, depending on the type of debt and the amount owed, a payment plan might be the best way for the debt collector to make sure they are getting the money they are owed. This is because payment plans can often lead to higher payouts for the debt collectors, as they will be more likely to receive smaller payments from you, rather than one lump sum. If you are unable to pay back your debt in full, then asking for a payment plan is likely the best option. However, it is important to remember that, while payment plans can be beneficial, debt collectors do not have to agree to them. Ultimately, the decision to create or agree to a payment plan is up to the debt collector alone.

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Can a debt collector refuse to work with me to create a payment plan?

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