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USA Flag Community Forum

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  • Youth Board

    Should I accept a debt settlement offer from a collection agency?

    Posted by edward coleman on October 9, 2025 at 12:18 pm

    Before accepting any settlement offer, you should first request proof of the debt. Under US debt validation laws, collectors must verify the debt’s accuracy and their authority to collect it. Without proper validation, settling could be a mistake. Once validated, you can negotiate better terms or decide if settling is the right move.

    edward coleman replied 4 months ago 1 Member · 0 Replies
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