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In this video tutorial, Jay discusses the concept of a pay to delete letter. He explains what it is, the benefits it offers, and whether debt collection agencies are required to accept it. Jay has over 15 years of experience in the debt collection industry, including owning two debt collection agencies. He offers to answer any questions about debt and provides a bonus at the end of the video. A pay to delete letter is a negotiating tool that can be sent to a debt collection agency.