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Settled entirely.You can actually settle your debt with a collection agency with 1 lump sum payment step by step . be any place from 80-40% on the original liability. Most collection agencies manage to negotiate a settlement right on the phone.
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Make sure you mail the Cease and Desist letter Certified, Return Receipt Requested. Then put a duplicate of the letter, below your sink Certified Receipt and green Return Receipt in written documents just for the debt.
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