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I had $12,00 and $8,000 credit cards at 29% , the banks rasied the rates from 8% because of universal default , this is despicable!. My attorney told me to send them a certified letter to not call me [by Federal Law they must stop]! This is a Federal law . . Then he suggested that I don't pay for about 4 months at which time they'll get someone to negotiate. I didn't pay and I won't so I save $300 a month. my credit score is low.. but so what! Call a free state Attorney or any Attorney!


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