<prompt> Human: I owe student loans that have been sold to collections due to me being a dumb teenager. I received some calls from the collections agency and my dad sent them a letter but the collections agency stated that they do not communicate via letters they could do email or phone but refused to communicate with letters. Is this legal? Does email count or are they lying to me for some reason?TLDR Collections agency Williams Fudge state they do not communicate via letters only email and telephone.  <response>: Youre not dealing with a real collection company.Youre dealing with a colon, because its full of shit.They need to send you a letter within 5 days of initial phone contact. Thats literally the law. 