Credit Card Issuers Say 'I'll See You In Court' 

As creditors sue to collect their bills, unsophisticated debtors often have no idea how to respond.

Last July, as 81-year-old Willie M. of Oakland prepared to go to court over $6,136.39 in credit card debt, she received a call from someone who said they represented the collection agency suing her. His message, she says, is still burned in…

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