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Your creditor gets rid of the bad accounts by selling them to a collection agency (or by taking your home or car through a foreclosure or repossession) and then writing the loss off as a bad debt.
Your credit report then shows your debt as “charged off.” (Learn more about charged-off debts.) Even so, in most cases you still must pay what you owe (though not in all cases.) Overall, however, throughout this process your creditor does not care whether you are doing your financial best or not.
Our messaging was fun and made me feel cosy as we were talking for real.
I can't say that it was love at first sight, but after a month I was already adamant that one cannot succeed without running a risk, so I ordered a trip to her.
But making a partial or “good faith” payment does not mean your creditor will go easier on you.
Instead, if you pay less then the minimum, expect your creditor to charge you late fees, ding your credit, and eventually sue you for the entire amount you owe.
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The women here seem more distracted than ever before and at times, I’ve felt like a number to them.