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  1. This is a question, and I was not sure where to post it. But for oustanding debts that you know you owe, but that are charged off, should you begin with DV or by calling the creditor to negotiate a settlement? Aslo, is you are still within the Statute of Limitations for being sued on the debt, is it a good idea to wait unit that runs before you begin with DV and all so that you don't get sued on the debt?

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