Mine is a speeding ticket from a camera but I never got notice because they left my unit number off of my address. Without it, my post office will send it back.
Pros: As long as I was calm, they answered what they knew, when I told them they were required by FDCPA they came forward with a dispute address
Cons: I don't think they are reporting this on a credit report with complete information - hence their ability to get away with it.
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