My friend learned this the hard way when dealing with a collection agency. They were not honest with her when they set up payments to be made by checks by phone. The amount of money they took each month was correct, but they neglected to tell her that the payments would go on indefinitely because she was only paying enough to cover the interest. It was a hassle for her to stop the checks by phone, and she ended up having to close her bank account to get them to stop. They weren’t honest, and she paid for it. She has never done it again.
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