Q: Is this legal or “okay” for a credit/debt agency to send passive aggressive letters?
Yes, as long as they don't threaten criminal action or legal proceedings they're not allowed to take then they can be as passive aggressive as they want.
They also can't be physically aggressive or threatening, like showing up with a biker gang. Real case by the way.
You can ignore them or get a lawyer and ask all communications go through them, or pay the bill.
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