I have received a couple of letters in the mail that ""DEMAND PAYMENT"" but fail to ever say why. None of the legal disclaimers or anything that are LEGALLY necessary for debt collector communication is ever included. I don't even take them seriously, but I can promise you, there will be a law suit if they EVER try to put anything on my credit report.
Pros: Um.... professional *asterisk* users?
Cons: Liars, thieves, scam artists
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