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They can send it to collections all they want, but ultimately if the debt isn't valid as per the law then you're all good. If the merchant is using bad-faith ta
by Nextgrid 5y ago
They can send it to collections all they want, but ultimately if the debt isn't valid as per the law then you're all good. If the merchant is using bad-faith tactics to trick you into a contract (or outright lies as in my case) it is very unlikely to fly in court.
- hnburnsy 5y agoUntil when you go apply for a mortgage and the underwriter makes you resolve all outstanding credit issues, which in many cases results in you paying the collection agency otherwise it could hold up your home purchase. Theses systems were built by the creditors not the consumers.