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> you can negotiate to pay a fraction of the original price.

what gives you the negotiating power ? they can simply dock you on your credit report. thats what comcast did to me. they didn't care about negotiating

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I think that is how collections work. When a business can't get you to pay they sell the right to collect it to another "collections" business (let's call it Y). Y pays a fraction of the amount owed for the right so even if they can get you to pay like 25%, they are still making a profit.

by that logic i should let every bill go to collections?

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