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Stop Debt Collectors: If you see "charge off" on the account they are trying to collect on your credit report it is illegal for these debt collectors to collect one penny. The original creditor took the bad debt as a loss when they filed their income tax and got a credit benefit from the IRS. See: http://www.educationcenter2000.com
Are you late with your mortgage payments? See this to stop foreclosure and sue your lender for free clear title and damages money. http://www.mortgage-home-loan-bank-fraud.com