BTW... I've been chasing deadbeats since 1999, several dozen a week. I even have people I visit every month, they never get current. The real kicker is that, as this is considered a reasonable collection expense, some contracts have clauses written in that the creditor charges my fee to the debtor. So not only do you get to see my smiling face, you get to pay $50 for the honor, sort like a late fee.

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2002 Ford ZX2
2 x 2013 Honda Civics