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In this video, consumer protection lawyer John Watson addresses the legality of "pay for deletion," a process where a borrower negotiates with a debt collector to pay a reduced amount in exchange for having the debt removed from their credit report. Watson emphasizes that this practice is indeed legal. He outlines that "pay for deletion" involves contacting the debt collector through various communication methods to agree upon a payment amount for settling the debt and ensuring the account is deleted from the credit report. Watson aims to provide a concise yet informative discussion on the topic.
