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how you guys doing today today i'm so excited i'm 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 i'm 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 i've been in the debt collection industry for over 15 years i've done it all from skip tracing to collecting to management and i've owned two debt collection agencies for the past eight years i've 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 i'll answer those questions let's go now these three letters i'm probably asked about a lot with regards to uh debt and credit in general and so i figured you know what i've talked about each one of these topics on an individual level but i want to c...