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CHICAGO (MarketWatch) — Caroline Ebony’s fingers had been shaking whenever she hung within the phone a week ago after a person whom stated he had been a debt collector screamed over a $625 debt that she said did not exist at her, called her a derogatory term and bullied her.

This arrived after a week of harassing and threatening telephone calls he meant to her mobile phone, her mom’s home along with her workplace. Each he became more aggressive; one day he called 12 times day.

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