Credit is already ruined. Collections calling daily means debt was probably sold to 3rd party or at least assigned to 3rd party.angel_wing0 wrote: ↑Aug 12th, 2017 1:38 pmGiving them your bank info will not let them access your bank account. It will only allow them to setup a transfer of an agreed amount of funds from your account to their account on a monthly/weekly or whatever schedule basis you allow them to.
$4500 is a manageable debt and you should start paying it off asap (consider you have a job too). Getting your credit ruined over that amount is not worth it.
Best option is to negotiate settlement