You clearly do not know what goes on inside a collection agency.Collectors do NOT open the mail. Secretaries do. ANY mail that says "CEASE COMMUNICATIONS" or "DO NOT CALL" or "DO NOT CALL ME AT WORK" are immediatley notated on the account in BIG FLASHING LETTERS so its impossible to ignore.As a collector, I LIKED those because I didnt have to call them ! It made my job easier. If you wants to spend an extra $3 for something that in 98% of the cases is NOT needed, feel free. Perhaps SPENDING is why you are being called by a collector in the first place ? (Not you, in particular, the debtor i mean)Worst case scenario ? Somehow your letter gets lost in the mail. (Certified letters can be lost too by the way, before they are signed for)You pick up the phone and call. Ask the office managers name. Speak with him/her and tell him you do NOT wish to be contacted by the agency and do not wish to discuss the obligation with him. 99% of the managers will make sure you are NOT called. In fact, a decision will be made right then. (RTAFC after no payments in any 60 day period)(RTAFC-Refer to attorney for collection means GARNISHMENT in most cases)But if you want to waste $3, feel free to send it by certified mail. But watch out for falling stars on the way to the post office.The agency % ? Most get between 25 and 40% of whatever is paid, no matter where it is paid. The percentage varied depending on the collectibility of the accounts. JC Penny were the hardest to collect. They have a crack collection staff and we only got the REAL deadbeats.Back then, we would RTAFC JCPenny accounts for as little as $150 if any only if the person had a verfied garnishable job and there had been no payments in like 60 days. Sometimes less if it was a cease communication debtor.
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