A bill collector insisted that I wire the money I owe through Western Union. Am I required to do so?

No, and it could add a lot to your debt if you did. Many collectors, especially when a debt is more than 90-days past due, will suggest several “urgency payment” options, including:

  • Sending money by express or overnight mail, which will add at least $10 to your bill. Don’t send express or overnight; a first class stamp is fine.
  • Wiring money through Western Union’s Quick Collect or American Express’ Moneygram. Another $10 waste.
  • Putting your payment on a credit card not at its maximum. You’ll never get out of debt if you do this.