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Which is better to deal with? CA collecting for OC or collecting for a JDB?


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I have some CAs collecting for JDBs. Is it easier to deal with them as far as not able to validate correct accounts, $$$, and or historical information? If threatened with or proceeded for a judgement, I would rather deal with a JDB's ( proof ) than an OC proof if you know what I mean.

Can anyone answer this based on experience?.....Thank You

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