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great Frank the credit educator here with superior credit care teaching you how to defeat the debt collectors now lets say you go to your mailbox one day and you receive a letter that youre pretty certain is coming from a collection agency what should you do heres a multiple-choice quiz choice a throw it on top of the pile with all your other unopened mail choice B throw it in the garbage without even opening it choice C open it take a quick glance at it and then toss it in the garbage well the correct answer is D none of the above if youre experiencing collection activity particularly if you have multiple accounts you should keep a file for each creditor and you should keep every single letter that you receive because you never know when it might be important in your attempt to defeat them now its really important to read each letter because some of them could be whats called an initial notification when a collection agency first receives your account whether they are assigned
