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In this video tutorial, Jay, a debt collection industry veteran, discusses the importance of a pay to delete letter. He explains what a pay to delete letter is, the benefits of using one, and whether debt collection agencies are required to accept it. Jay has extensive experience in debt collection and offers to be a resource for viewers with any questions about debt. A pay to delete letter is a negotiating tool that can be used to reach a settlement with a debt collector, ultimately helping to improve credit scores. Stay tuned until the end of the video for a bonus tip.