How to Avoid Collections

Collections don’t always come from big missed payments.
Sometimes… they come from bills you didn’t even know existed.

In this video, Justin Mirche explains how collections sneak onto your credit report — and how to stop them before they happen.

Many people are shocked to discover collections from:
🏥 Medical bills
🧪 Lab work not covered by insurance
📬 Small balances they never saw

💡 The reality:
You can’t fix what you don’t know exists.

That’s why prevention is everything.

📊 How to avoid collections:
✔ Pay all bills on time (the obvious one)
✔ Check your mail — even the “junk”
✔ Watch for small or unexpected charges
✔ Stay organized with your finances

⚠️ The hidden danger:
That envelope you ignored or threw away could have been a bill — and now it’s turned into a collection.

It happens more often than you think.

The best way to deal with collections?
Don’t let them happen in the first place.

Stay aware.
Stay proactive.

#CreditTips #CreditRepair #PersonalFinance #FinancialLiteracy

Видео How to Avoid Collections канала Justin Mirche