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  1. Ok, thank you... Is it to late to send a debt validation letter once you agree to make payments?
  2. Does anyone know if you can still negotiate a settlement with a collection agency after agreeing to make monthly payments? Also, the reason I did so is because I received a letter from a lawyer saying they were going to take me to court and garnish my checks. So I got scared and called and agreed to make payments to avoid that from happening. I wish I would have found this site a long time ago!