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Abercrombie & Fitch Ann Taylor Bath & Body Works Brylane Home Buckle Coldwater Creek Express Gamestop HSN J.Crew Jessica London JJill King Size Direct Loft Motorola My Points New York & Company One Stop Plus Overstock (Be careful with your social on this one! ) Pac Sun Romans Sportsman Guide Total Rewards Venus Victorias Secret Wayfair There are a few stores that work best with the shopping cart trick. Now collection agencies start calling you day and night. Or if you answer the phone, record the conversation.

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Even if you didn’t read all the fine print (who does?

) but he was convicted of bribing a company that made him millions of dollars.

Every state has different laws on how collection agencies are allowed to talk to you.

Default in the credit card industry is, by itself, an entire industry that many people benefit from. But here’s the good news: not everyone will follow this advice. But if you are struggling and your kids need food and your marriage is at stake and you lost your job, then simply stop paying your credit card debt and follow the process I describe above. I would say mortgage debt also but that’s another post.

They can actually threaten you with court action and they might not be bluffing. It’s not like friendship debt where you need to pay back.

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