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If collection agencies won't work with you, shut them up with a validation letter. When a third-party collection agency buys your debt, they are required to send you a letter stating such. If you send a validation letter, the collection agency can't contact you again until they send proof that you owe the debt. Debt Counselling won't bother with this. If they don't provide this proof and contact you anyway, you can sue them under the FDCPA.



If you are concerned about your credit, be sure to pull a report from all three agencies. VS Debt Counseling Specialists reporting agencies vary extensively in what they report. An adverse score with even one could negatively effec