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(Sacramento Bee) — Debt collectors. Next to the dreaded taxman, they’re probably the most-feared financial folks around.  And chances are, if you owe money on a delinquent loan, a credit card bill or a medical payment, you’ve heard from a debt collector. Some work in-house for creditors; some are hired to collect on a company’s behalf; others buy up bundles of old debts and try to pursue repayment.

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