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A pay to delete letter is a negotiating tool that debtors can use with collection agencies. In this tutorial, Jay, a debt collection expert, discusses the benefits of using a pay to delete letter and whether collection agencies are required to accept them. Jay has extensive experience in the debt collection industry and offers valuable insights and advice. Stay tuned for a bonus tip at the end of the video. If you have any questions about debt collection, feel free to leave them in the comments.