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The collection agency will likely then attempt to collect the total amount from you sometimes actively and often reports their possession of your account for the credit bureaus. New accounts with the collection agency’s name will then show on your credit reports, which can have a significant adverse impact on your credit results.

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(currently by having an APR of 2. 0%), so I am ineligible to use HARP once more! If I could basically get someone to refinance me into my home, then I may refinance again within the future when my credit worthiness improves. However, for the time being, I need to refi or even list. Please aid!!!

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