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    Debt Collectors: Re: Disputing Credit Card Debit

    Send a cease and desist with the added provision that that this account is time barred. (commonly called a FOAD letter.)

    they cannot contact you again, and threatening legal action on a time...
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    Debt Collectors: Re: Was Never Served but Now I'm Being Garnished

    read up on your rules of civil procedure for your state under "proccess"

    If they made an honest mistake in the service, that's one thing;

    if they hired a sewer service to serve you at a...
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