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I wrote to each creditor asking if they would adjust these late charges as a one time deal. There were some who just did the adjustment and others I had to contact via phone. When I combined all the late charges that were adjusted it came to a total of over $500.00.
This was such a great break for me. It was worth the effort of writing and detailing each charge and the exact amount of days the bills were late.
By Mousey from New Bedford, MA
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