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In this video tutorial, Jay, an experienced debt collector, discusses the pay to delete letter. He explains what it is, the benefits of using it, and whether debt collection agencies are required to accept it. Jay promises a bonus for viewers who stay till the end of the video. He shares his 15 years of industry experience, including owning two debt collection agencies. The pay to delete letter is a negotiating tool that allows you to remove negative items from your credit report in exchange for payment. To learn more, watch the full video.