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The credit card company just wants to get as much of its money back as possible. They will always take this road because your girl could declare bankruptcy and then they would get almost nothing, judgment or not. As long as they get back the principal and a little above that, they are ahead of the game. Of course, it won't look good on the credit report, but it will be better than paying off a $7,000 judgment or having to declare bankruptcy.
Good work Wolvie.
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The pond, waterfowl, and yellow labs...it don't get any better.
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