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The speaker discusses the legality of adverse actions taken by companies in response to debt discharging efforts. They explain that using a remittance coupon along with a cover letter provides instructions for corporations, which may be increasingly resistant as they become aware of remittance options. The speaker emphasizes the importance of being informed and assertive in dealings with these companies. Additionally, they mention they are learning a more advanced method that could improve the process of submitting remittance coupons regularly, helping individuals achieve a favorable status for their accounts.