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This is where things get tricky.
The LVNV snapshot shows a payment of $288 in Aug. 2004. However I never paid anything to them (that I am aware of). My last payment to the Chase/Citibank account that I made was in Oct/Nov of 2002.
I tried the debt reduction avenue for a while, and wonder if this payment was through the Debt Reduction company . . .
Regardless, I do not have the economic means to take on another payment of anykind at this time.
Is bankruptcy my only choice?
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