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civil attorney Well, say you had an old credit card from 1999 that you defaulted on and eventually stopped paying. Modification creditor (OC) charges off the debt, closes their books and sells YOUR debt to a third-party junk debt buyer (JDB). The JDB pays pennies upon the dollar to use in your debt.

Every civil litigation case requires that the suing party, known as plaintiff, prove certain elements before nevertheless allowed to recover damages. The most common lawsuit is contingent on a claim of recklessness. In such a case, the plaintiff must prove the defendant any duty to do something in an individual way, breached that duty, said breach caused problems the plaintiff and the monetary values of the damages.

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