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I’m really sorry this happened to you. I’m glad it ended up working out eventually (it seems). I wonder how much time, money, and tears we could save if there were an easier way to simply reach people in these situations to let them know of their options. Of course, a better solution is legislation like that proposed by the ACLU. Hope all is still well with you.

Edit: just read your profile. I think you’re doing fantastic work!

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Thanks! Yes, rough time but things usually work out for the better in this case. Definitely learned some important life lessons in a 4-year stretch during that time though. Many of those lessons are being applied directly to my current endeavors.

Personally, I think people get scared or have a fear of facing a debt collector in court. I believe that when it comes to small claims judgments (i.e. under $10K) there should be a more personal approach that encourages resolution instead of fear. Maybe instead of "default judgments" that are rubber-stamped by judges, the courts move to a more hands-on approach with hearings between mediators, the creditor, and the debtor. While this may require manpower, the time/cost savings of jailing debtors would be savings in the end. I hope the ACLU is successful in getting legislation passed.

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