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They said I could pay the fee in 2 installments or pay a one time fee of 99. I was very sceptical but also relieved. I ended up saying "I'll call back" and calling Cox to confirm and sure enough, that was the case.
Cox had given the debt to PFS to handle so I had to pay them. So I called them back and ended up paying the 99 and they assured me it would be processed in 24-48 hours.
I was recording the call for insurance.