Whenever I want to pay a collection debt, I almost always go around the collection agency and directly to the creditor.Exactly. You do not need to deal with a collection agency. You decide to deal with the person who owns the debt. All you need to do is send a letter to the collection agency that you are going to negotiate with the original creditor only. By law they have to leave you alone. Here is an example letter pulled from the Bud Hibbs web site (www.budhibbs.com):Your NameYour AddressCity, State, Zip (Sent via CERTIFIED RETURN MAIL #123 456 789 with RETURN RECEIPT) Date: XYZ Collection Agency/Law Firm 1234 Main Street, #100 Any town, USA 10021 Re: File #0000000 - ABC Bank - #4445566778899000 -For: $5555.55 Dear Debt Collector /Debt Collector Attorney: This will serve as your legal notice under provisions of federal law, the Fair Debt Collection Practices Act (FDCPA), to cease all communication with me in regard to the debt referenced above. If you fail to heed this notice, I will file a formal complaint against you with the Federal Trade Commission who is responsible for enforcement, the States Attorney General office and/or the American Collectors Association or local State Bar Association. I/We have decided that we do not desire to work with a collection agency under any circumstances. I/We will contact the original creditor to resolve this matter directly, as circumstances warrant. You are also notified that should any adverse information be placed against my/our credit reports as a result of this notice that appropriate actions will be taken. Give this very important matter the attention it deserves.Sincerely,John J. ConsumerHope this helps!-Matt
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