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Yes, 11 At T Mobility is a debt collection agency. They buy debt from a number of different creditors that no longer wish to attempt to collect the amount themselves (also known as a "charge-off"). 11 At T Mobility may attempt to reach out via mail or phone calls (demanding payment).

FAQ Start by writing the date at the top of the letter. Include the name and address of the creditor you are addressing. Begin the letter by introducing yourself and stating your intent to dispute the medical debt. Provide details of the debt in question, including the account number and the date it was incurred.

You cannot remove collections from your credit report without paying if the information is accurate, but a collection account will fall off your credit report after 7 years whether you pay the balance or not.

You can outsmart debt collectors by following these tips: Keep a record of all communication with debt collectors. Send a Debt Validation Letter and force them to verify your debt. Write a cease and desist letter. Explain the debt is not legitimate. Review your credit reports. Explain that you cannot afford to pay.

Send a 'drop dead' letter You have the right to ask them to stop contacting you. To do so, you can send what's sometimes referred to as a ?drop dead letter? ? a written notice to the debt collector informing them you want no further contact. By law, debt collectors are required to follow this request.

If you are struggling with debt and debt collectors, Farmer & Morris Law, PLLC can help. As soon as you use the 11-word phrase ?please cease and desist all calls and contact with me immediately? to stop the harassment, call us for a free consultation about what you can do to resolve your debt problems for good.