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I don't feel sorry for you at all.
You are charging high interest rates because these people are not credit worthy. If you want everyone to pay....then be more selective as to who you loan to.
It's companies like yours (in my opinion) that have contributed to the financial mess that the entire world is in. If it were up to me, credit would be restricted - way more than it presently is. But it's not up to me so I would be happy with the fools that "do" pay your high interest rates and fees.
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