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You need to be smart while contacting collection agency. I have written some point on how to contact collection agency for your commercial collection, medical collection or any other collection.

claims, Do Collection Agency, Don'ts Collection Agency, name of the original creditor, negotiations, payment arrangement, steps

National asset management agency - Dispute charges to a collection agency.

Debt Collection Practices Act, claims of collection agencies, written notification

I bought a luxury car from Credit in 2006, few months ago i returned the car voluntarily but i forget to have written that i do not have any payment left.