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There are about 24,000 payday loan stores in the United States and last year, about 19 million people used one, industry spokeswoman Lyndsey Medsker says.
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A debt collector, or collection agency, will inform the credit bureaus and they may commence civil proceedings to recover the debt.
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When he mentioned the large down payment he made on that initial purchase I did a book value on the boat and found it had plenty of equity to refinance at a lower rate, with enough to pay down the auto loan and make his payment lower!