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Of course this is only my personal experience, your mileage may vary, but I just checked my credit report and the loan I defaulted on less than 5 years ago is not on it. At all. Th…

> In general, you really want to try to avoid being sued. In reality, companies will do almost anything to avoid suing you for small amounts of money. The financials don't make sen…

Actually, the question you should ask is 'where is your witness?' - the lender needs to have more than documentary proof of your debt. Here's how the process plays out: When you ow…