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Your creditor gets rid of the bad accounts by selling them to a collection agency (or by taking your home or car through a foreclosure or repossession) and then writing the loss off as a bad debt.

Your credit report then shows your debt as “charged off.” (Learn more about charged-off debts.) Even so, in most cases you still must pay what you owe (though not in all cases.) Overall, however, throughout this process your creditor does not care whether you are doing your financial best or not.

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But making a partial or “good faith” payment does not mean your creditor will go easier on you.

Instead, if you pay less then the minimum, expect your creditor to charge you late fees, ding your credit, and eventually sue you for the entire amount you owe.

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Finding a mate through SMS dating is more popular in the UK, UAE and Asia overall.

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