Plus there's the bottom feeder problem that arises.  These zombie debts tend to wind up in their hands.  The FDCPA means absolutely nothing to some of these.  They will harass, threaten, etc. even though it is illegal, they really don't care.

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Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
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