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In this video tutorial, Jay discusses the concept of a pay to delete letter, explaining what it is and the benefits it can offer when dealing with debt collection agencies. Jay, who has over 15 years of experience in the debt collection industry, shares his expertise on this topic and offers to answer questions in the comments section. A pay to delete letter is a negotiating tool that can be used to potentially remove negative information from your credit report. To learn more about this letter and receive a bonus tip, viewers are encouraged to watch the entire video.