Is it advisable to avoid speaking with collection agents on the phone and instead send a written letter to the agency’s mailing address to resolve the issue and stop further contact?

Yes, it is generally advisable to avoid speaking with collection agents on the phone and instead opt for written communication. By obtaining the correct mailing address for the collection agency and sending a well-crafted letter, you can effectively address and resolve the issue while also minimizing further contact. Putting your concerns and requests in writing provides a clear record of your communication and allows you to maintain control over the situation. Be sure to include relevant details such as your account information and any supporting documents that can help substantiate your claims. Remember to keep a copy of the letter for your records and send it via certified mail to ensure proof of delivery. This approach can help protect your rights and maintain a professional and documented approach to resolving the matter.

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