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    If you are reading this, odds are you have been contacted by one or more collection agencies.

    Undoubtedly they claim you owe them money. They have a knack for harassing the unsuspecting and wrecking cr

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    e been contacted by one or more collection agencies.

    Undoubtedly they claim you owe them money. They have a knack for harassing the unsuspecting and wrecking c

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    But who are these collection agencies and what powers do they possess?

    The truth is that debt collection agencies are all bu

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