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first of all do not i repeat do not negotiate with anyone over the phone hi friends welcome to moms and money where we talk about managing money making money and saving money for the women in the household in todays video we are going to be talking all about how to properly get things removed like accounts removed off of your credit report that are in collections and how to properly pay for those accounts that are in collections but first before we go into the video i would love for you to join my youtube family by clicking the subscribe button down below and also saying hi on my other platforms that im on like facebook and instagram where i actually upload videos to those platforms i would love for you to say hello hit the like button on this video and share it with any family and friends that you think would be helpful it really helps my channel out and i really truly do appreciate it this video goes hand in hand with the previous video that i did about the very first thing you nee