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That $5,000 is accruing 7% interest. The IRS and department of education don’t need a court order to take money from your bank account or to place a lien on your property. That’s not a threat. A threat is when they say they are going to do something but don’t. I’m sorry you fell for a scam, and am afraid that reality is going to bite you in the ass real soon. Do keep us posted on the outcome.

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oh, the saga isn't finished yet, you're only on part one!

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