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They can demand whatever they choose, that does not mean the consumer has to accept the terms. The consumer should always be very wary of dealing with any collectors, including those claiming to be collections attorneys who are reluctant to use reasonable means (such as regular mail) to communicate.

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Q: Can a third party collector demand payment without providing a written request you've been told that they'll provide a fax of the agreement to pay and they refuse to send you anything by the U.S. mail?
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Can a collection agency reject a payment from you if it is less than the payment for the settlement they asked for?

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