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Send them a copy of your discharge of debts. Those companies are known to lie about most anything to get you to pay them. I owe 9,000 mostly due to payday installment loans. I'm on social security and have over extended myself and cannot make all the payments let alone living expenses. I need to retain a bankruptcy attorney and file Chapter 7. The only pay cash advance online I have is 1500 social security and 150 small pension check.
I know this will ruin my credit and I'll have a hard time finding a place to rent but I have no choice.