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What if a collector has not yet started reporting to CB?


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I have a debt of 3,000.00. On February 2006 , I received the first notice and now they send me a last letter with the oportunity to make arrangments with them now or else they will report to the (3)CB's. What should I do? I don't have the whole amount , in fact I only can make a very low monthly payment? Can I make such arrangements? :roll:

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