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adrianm | 8 years ago

My credit was unaffected. I objected to some of what they claimed I owed, and got them to throw out almost half. No interest and penalities.

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throwaway613834|8 years ago

But how do you get them to finally give up? If they say you owe X and you say no, I owe Y, then does one of you have to threaten to go to court before expecting a settlement?