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Thank you very much. I have already planned on making payment arrangements and am taking everything with me to court.

It was back in 2006. I had the card when I lived in West Virginia and now I live in Georgia. A local sheriff served me with the papers. After reading a lot and I mean everything I read about this...

I got served with papers by a law firm, in which I researched and everything I have read has bad things about them. It said they are one of the 100 worst collection agency's. (Frederick J. Hanna)....