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I'm a little confused here. I dealt with an Alliance One agent recently, and she was really quite pleasant. We settled an old debt of mine rather quickly and quietly. As far as other agencies go however, there was this one fellow from MJR who was really quite rude. He said things like how I was a deadbeat just as my father before me. I dealt with him swiftly, and the MJR never tried to contact me again.

Be careful guys.

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