Advice on dealing with a collection agency?

#29
#29
Hopefully it hasn’t hit your credit report yet. If you don’t already use it, credit karma is a great free resource to check your situation weekly. If it is, or will be, on your credit report, I would advise against paying less than owed. It will be noted on your report and could be used against you. It’s not worth the risk for such a relatively small amount, IMO.
 

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