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Learning how to talk to a debt collector, you have to be meticulously cautious about what you say. You must understand to control the dialogue to prevent yourself from mentioning something that can be used to hurt you as proof if they went ahead and to try and take it to the judge at a later date. In all seriousness, what you talk about over the phone could be a tiny factor in them trying to sue you to start with. Search out a smart credit card debt relief company as quick as humanly possible.