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This debt is at a bank...correct? Banks work different from credit card companies... they sometimes are glad for you to come in and pay the negative balance and hopefully deposit money in their bank... I use to work for different banks, off and on for 10 years.
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You're reading If a debt has gone to a Collection Agency can you still pay the debt off to the original person/company owed instead of having to send it in to the Collection Agency?
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