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Don't quote me or anything since I have no legal knowledge but I think as long as you pay something every month, like $5, they can't send it to bill collectors. Sure it would take forever to pay off but they don't deserve more than $5 a month.
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Nammu
…Beyond a wholesome discipline, be gentle with yourself. You are a child of the universe no less than the trees and the stars; you have a right to be here. …...
Desiderata Max Ehrmann
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