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(Wall Street Journal) — Glynis Martin, a 56-year-old New York social worker, started struggling to keep up with her credit-card bills about five years ago as the mortgage on her Bronx apartment ate up most of her paycheck.  Pretty soon debt-collection calls became routine for her, and in January, Midland Funding LLC sued Ms. Martin in Bronx County Civil Court for $4,524.84. “I just couldn’t make ends meet and pay off those cards,” she says. “I would have paid them what I could. It seems like they just went straight to court.”

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