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The credit ratings and observations contained herein are solely statements of opinion and not statements of fact or recommendations to purchase, hold, or sell any securities or make any other investment decisions. But you've all helped, even Thomas Gardner. Unifund and a supeona to go to court for this with Unifund collecting for Citi bank We at that time sent a certified letter to Unifund asking them to validate the debt. Liabilities from financial services are carried at amortized cost.

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