Garnishments tend to happen when people hide from their debts and stop making even minimum payments. Eventually, creditors sell the debt to a collection agency. Votes: 1
I generally encourage people to make good on debts when they have enough money to repay them. But once a delinquency has been reported to a collection agency, paying it off won't help your FICO score. The damage has already been done, and the blemish will remain on your credit report for seven years. Votes: 1
At Age 11, I used to listen to Madonna's Immaculate Collection every day Votes: 3 Amy Winehouse
A promise made is a debt unpaid. Votes: 4 Robert W. Service