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Thanks for that.

Thank-you for that. I meant to say my income is judgement or collection proof. Yes, you are right about the collection agency wasting their time or money to take me to court. I will see what happens....

Hi, if you fell behind on your credit card payments after you had thyroid surgery, and on SSI, and have no other assets, don't own a car, home or bank account. Your SSI goes direct deposit, & a debt...