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 ...

An experienced attorney can take several actions on your behalf, such as sending a more forceful cease-and-desist letter, ...

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 ...

A goodwill letter is a formal request to a creditor asking them to remove a negative mark, like a late payment, from your credit report. Goodwill letters are most effective when the late payment ...

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 ...