My understanding is that you are dealing with the collection agency acting as agent for the university and are not dealing with the university directly.
Therefore, the letter that I suggested that you send should be sent to the collection agency and NOT to the university. That letter is only valid when it is sent to a collection agency registered in Ontario. It has no force of law sent to a university in the United States.
What a university can or cannot do, no one can answer that question except the university. They have their own internal policies and neither I, you, or the collection agency is privy to that information. You would have to contact the university directly and put the question to them.
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