[HELP] I need a solution to remove debt

goatuser

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Hello guys, I'm here today to ask for guidance and help.

I was getting emails from Southwest Recovery Services saying that my account was reported to the credit bureaus on 4/15/2023

A while ago I signed up for a merch account with them, they never told me that there would be an early termination fee if I decided to cancel my account

They were trying to debit my bank account for that fee and I believe they got tired of trying and decided to sell this debt to debt collectors

I need to know what I can do about this, should I tell them that my business went bankrupt, should I ask for a debit validation, should I tell them that I was the victim of identity theft?

The truth is that I don't have money at the moment and I don't want to ruin my credit score because of this

what are my options?

Can you guys help me with this?

If so, can someone here provide a formal letter that will help me remove this debt easily?

If you know how to solve this issue easily and you've done this in the past, please let me know

I'm begging you guys, I need to solve this issue as soon as possible

I would appreciate your help and cooperation

Stay safe.
 
Fo this situation, I think you better to call them to discuss payment plan option. i.e. you can pay a little bit every week until debt is paid off.
 
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