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how you guys doing today today im so excited im so excited i want to talk about three topics or three letters actually i want to talk about three letters uh today the three letters that im going to talk about is a pay to delete a goodwill letter as well as a cease and desist letter so stay tuned my name is jay and welcome to ask a debt collector now ive been in the debt collection industry for over 15 years ive done it all from skip tracing to collecting to management and ive owned two debt collection agencies for the past eight years ive been the go-to guy for friends and family for questions regarding debt and credit and now i want to be that person for you if you have any questions put them down in the comments section i promise ill answer those questions lets go now these three letters im probably asked about a lot with regards to uh debt and credit in general and so i figured you know what ive talked about each one of these topics on an individual level but i want to cl