How do you negotiation or dispute with the collection agency?

I have to disagree with your statement that they cannot send me to collections if I'm sending something each month. That statement is misleading and a half truth at best. With most creditors you have to pay a minimum payment (such as loans and credit cards) or the balance in full (such as utility bills) each month. If you're not sending either the full balance or the required minimum payment) your account can be marked as past due & if you don't resolve the past due then you get send to collections. Unless you and your creditor agrees to your agreement then usually the account is sent to collections. However you ARE correct that you can send anything to be applied to a bill. You can send five dollars, one penny, whatever and it's to be applied to to the bill. They cannot deny your money my friend. Pablo

I forgot to add that you can put a third point: 3) All telephone calls are inconvenient. I request all communication to be in writing via post mail, fax or e-mail. And send your dispute letter via fax OR certified letter. It creates your paper trail. Pablo