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I was contacted by Zwicker and Associates to collect an american express debt. They want the entire balance now. They looked up my credit report and are hounding me to transfer the amount to other credit card company balances. What are my options to repay this debt? They said if they do not get the total amount within 7 days they will start process to put a lien on my house and take me to court to collect the money through the courts.

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