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Continued refusal to pay the debt will result in a charge off being reported to a major credit bureau. Imagine the consumer's shame and embarrassment when he has to explain the CumGuzzlingWhores.com charge off when he applies for his next credit card or goes to refinance his house. And no, we do not need the consumer's social security number to add items to his credit report.
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Doesn't this open the site owner, your company, and the credit beraeu up for a law suit according to the FCRA (fair credit reporting act)