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what are the CA's limits?


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Don't believe it. Rule #1... CAs LIE

What proof do you have that the CA is authorized to negotiate a settlement on behalf of the original creditor? ZERO

Now if you had a settlement agreement from the original creditor acknowledging the CA as an authorized agent to negotiate on its behalf, that would be different. But, you can't even get a CA to show they're authorized to collect on behalf of the OC, let alone negotiate binding agreements.

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