Debt collectors are required by the Fair Debt Collection Practices Act (FDCPA) to mail a debt validation letter with information regarding the ... your creditor could file a lawsuit against ...

However, you may consider sending a pay-for-delete letter to your creditor or debt collector. This is the last resort for your credit score before you accept a negative mark on your credit report ...

If a creditor accepts your pay-for-delete letter and removes the negative mark ... others have strict policies against them. I am writing regarding the above-referenced account, which I understand ...