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Some creditors are more aggressive than others, and will not negotiate with the debtor under any circumstances. It seems odd that a creditor would initiate a lawsuit for the amount noted if the debtor has made a good faith effort to a solution. However,if the debtor lives in a state where the creditor is allowed to file in small claims, then it is very likely the suit will proceed. If the suit is in a District or Circuit Court, the creditor is likely seeking a judgment where a lien could be placed against real property, or possibly liqudation of non-exempt assets, rather than be esecuted as a wage garnishment. If this is the case, the debtor should be concerned about protecting property in accordance with state laws.

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