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joined direct buy but quit paying them never used service they recporting in collections what to do?
i joined direct buy thinking i was going to purchase discount home repairs or upgrades at wholesale prices. i never used this service, was paying them faithfully on via my debit card, tried to cancel service but they said they would not due to me signing an agreement, once the expiration date on my debit card expired i did not provide them an update on a new card. this has been over 4 years now, and now i see them on my credit report in collections, what can i do?

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