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If you call a clooection agency in his area they will collect all of your money plus interest from the day of default. If you get a good one they are really persistent and you'll only pay about 35% of the debt if its less then a year old. I've used one here in NY for a deabeat account that moved to another state and got all my money back. You pay nothing if they don't collect, PM me if you want the name of the one in NY.
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