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how can someone turn over a collection item when you dont even know you owe it???
if you never receive a bill from a place (i.e. med.) then you assume your insurance has taken care of it...BUT apparently not the issue...I have been placed in collectioins on a bill I wasn't even aware of! and of course disputing it is a waste of time, because the credit companies and credit karma is of no assistance in this ...

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