My fiance has a debt collector coming after her pretty aggressively and in not the most ethical way (in CA). She has a car (still paying on it) and no other.

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Free spirit, have you resented this control and covertly sabotaged your family’s finances? Have either of you kept financial secrets? This is a time for “True Confession”…if you can’t openly admit your wrongs and forgive each other, …

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