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How to deal with collections issue


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I would like some advice on how to deal with a collections issue. I had a Visa card with Circuit city (aka FNANB). The account was sold or the company bought by Fleet Bank, not sure which. I am admittedly one month late on paying my bill. Yesterday I received a collections letter dated Oct. 6 saying that Penncro Associates has been retained to collect the debt. As of the Oct 6 date on the letter I had just gone 40 days past due. I admittely missed the payment, not on purpose. How should I handle this?


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