Should my wife pay off the debt to the collection agency?
My wife got a letter from a collection agency. They have bought my wife’s account from book club. My wife has indeed opened an account in the book club. The debt amount is $450. My wife can pay the amount. However, she simply refuses to pay off the debt. The debt has not been validated. There is no word about validation in the letter. Should my wife pay off the debt? Will her credit score drop if she doesn’t pay off the debt?