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I was properly served but honestly did not understand it. I assumed it was an automatic judgment.

I am using the form ltr from the book. I believe that I can use the usury approach (finance co). Should I include anything about not answering? I have asked them about the debt since and they haven't responded. Should I mention that? It has been 4 yrs. Should I mention anything about federal law re time limit?

Sorry for all the questions. I just don't want to blow this.

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