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If you have a collection account, in most cases, it didn’t happen overnight. Most lenders attempt to contact you before sending an account to collections through calls, emails, or letters. That said, sometimes contact information is outdated and communication gets missed. But in many cases, the account was already past due and not addressed early enough. The key point: You usually have opportunities to deal with the account before it reaches collections. And even after, it’s still important to u
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