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And also the HE washer is much much quieter (if the machine is located somewhere you can hear it cycle) big difference for me compared to my 1998 machine

I almost went nuts after reading too many reviews of washers online! I chose a top loading high efficiency washer and I love it. I was NOT keen on this new fangled type washer but I made some...

No, the creditor is who offers you the credit. The collection agent is the collection agent. The law states:
The term “creditor” means any person who offers or extends credit creating a debt or...