Verify each collection account
Request debt validation from the collector
Check the statute of limitations in your state
Prioritize accounts by balance, age, and impact
Set a payment budget you can afford
Negotiate a settlement or payment plan
Get all agreements in writing before paying
Ask for a pay-for-delete if possible
Pay with a traceable method
Keep records of every payment and letter
Monitor your credit reports for updates
Dispute any inaccurate or duplicate collections
Consider a nonprofit credit counselor if needed