When you are dealing with a debt company it is never fun. They are usually rude and don’t understand that some people can’t even afford to make payments on their debt. Sometimes a commercial collections agency can make an agreement with you to set up a settlement. You can pay a lump sum of what you owe and then you will no longer have a debt with them. Sometimes a commercial collections agency will not let you do that though. They will continue to hassle you with annoying phone calls and emails until you get your debt paid to them. When dealing with commercial collections agency make sure you write down how many times they call you a day because it can get to a point where they are a threat.