Heidi Unrau is a Canadian personal finance writer and former banking insider with over 10 years of experience in the industry. She covers credit, loans, investing, and crypto with data-driven insight and a splash of humour.
If you can’t afford to pay it in full, Margaret says a settlement is the next best thing. “You want it to show up as settled, zero balance, because you paid the agreed amount.”
On a sunny Saturday afternoon, I walked into a clean, bright, and professional establishment that felt more like my dentist’s office than a seedy subprime lender. Except that I walked out with $200 and the financial equivalent of an unmedicated root canal.
I needed to know: when do debt collectors stop calling? What does it take for them to actually give up the chase?
The challenge? I had to spend a full 40-hour work week trying to make as much money as possible using my phone.
