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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.

My name is John, and I am a debt collector with XYZ Company. Your bill payment is past the due date. Based on our records, the total outstanding balance of $10,000 is overdue. We have tried contacting you seven times during the last two weeks.

One of the most rigorous rules in their favor is the 7-in-7 rule. This rule states that a creditor must not contact the person who owes them money more than seven times within a 7-day period. Also, they must not contact the individual within seven days after engaging in a phone conversation about a particular debt.

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).

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.

The Fair Debt Collection Practices Act specifies that debt collectors cannot contact debtors at inconvenient times. That means they should not call before 8 a.m. or after 9 p.m. unless the debtor and the collector have made an arrangement for a call outside of the permitted hours.