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couldn't pay him back "yet." This call happened at least once a week. My mom would scream at my dad, "I told you not to give him money!

In testing situations any expiry date within the next 3 years should work Feedback forces me to clarify this: These are NOT valid credit card numbers. They are random numbers that happen to conform to the MOD 10 algorithm.

They are a technical resource for programmers – that’s all.

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

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A very good article about the credit card number format can be found here: Anatomy of Credit Card Numbers As you can see below I get a lot of feedback about this page.

Thanks to everyone who stops by to write a note, it is appreciated.

This is all happening between three and 12 months after you stopped paying on your debt.

One card, with First Premier Bank, even had interest rates go as high as 80%. The question was this (verbatim): "Hi James, Please please help me. Answer: DON'T PAY YOUR CREDIT CARD DEBT if it is hurting the rest of your life. Then the courts just give the credit card companies your money. North Carolina and West Virginia, for whatever reason, are the worst states if you are a buyer of batches of bad credit card debt. But they might only pay 2 cents on the dollar for those.

Every state has different laws on how collection agencies are allowed to talk to you. This daily investment newsletter delivers free independent financial forecasting and commentary along with carefully selected products and services that we think might interest you.

Now collection agencies start calling you day and night. Or if you answer the phone, record the conversation. So record the conversations and try to get them angry. They use fake names like "Dick Brockman" and they say things like "In five days we have to go to court and seize all of your assets." Again, in some states this is illegal to say. One thing you always have the right to do: Say, "Show me the proof I owe this money." Since the collection agencies got your name from a hedge fund that might have bought only part of your debt from another hedge fund, who knows where that original proof is?

I was an expert at solving Rubik's Cube when it first came out and was popular.

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