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Deep live can you pm me with some more info though please

It seems I may have made errors in my approach. I would appreciate your assistance and services. However, my financial situation does not allow for that at present, which is why I am attempting to resolve matters on my own.

This account requires a dispute. However, should I send a,verification letter to the collection agency, and what should I send to the credit bureaus? Is it appropriate for a collection agency to report a past due amount after the account has been charged off? I would appreciate some guidance on...