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What I see missing here is a statement that the letter actually came from a third-party collector. If I go to the doctor and don't pay the bill, they can send me a letter like that and it would never be considered a violation because they are first-party billing. Thus, without the qualification as to who sent the notice in question and what it was for, any other discussion is jumping to conclusions...
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I am not *your* attorney and you are not *my* client. Nothing in this post shall be construed as establishing an attorney-client relationship.
Would you rather us tell you what WILL happen or would you rather have rah-rah bull-droppings from someplace else?
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