Western Union (W.U.) and Money Gram (M.G.) are companies that for an average payment of $8 to $12, will allow you to make a guaranteed payment that will be applied to your account in up to a few hours. Because people that have accounts in collections can be easily persuaded to make payments this way, this can be a costly way to make payments.

Let me give you an example. Let’s say you are paying $75 a month on a collection debt. If you are paying $10 a month to make your payment each month by M.G., that adds up to $120 a year. That money could have been used to make almost two additional payments on your account.

Debt collectors will want you to pay this way to insure that your payments are on time each month. If a collection firm is not close enough for you to drop off a payment to them, you always have the option to mail in a payment to them. If you are not in jeopardy of being sued or garnished, there is no reason to waste all this extra money each month.

If you have gotten in the habit of paying by W.U. or M.G. for months or years, you no longer have to keep doing this. If you want to make the transition of paying extra money each month, I can show you how to make this transition and make sure that bill collectors will not bother you. For more information, you can reach me at 313-744-5977 or e-mail me at [email protected].