Clarification needed please


Hello all, I have been a member of the blog for some time, but have not been in a situation where I could be on any help to those who need. I now need some help.

I have about $13,000 in unsecured debt. I am getting ready to receive some financial assistance from my family, but am concerned with paying my debts. I heard that once an agency charges off your account, they have claimed it as a loss and therefore receive some tax benefits.

My question is when I am ready to pay off the debts, whom should I be contacting, the initial creditor or the collection agency?

Also, should I be contact the credit bureau’s to let them know that I have paid my outstanding debts? Any help anyone could give would be greatly appreciated. Thanks.

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