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- What happens if I can`t pay back my installment loan on the due date? Debt collectors cannot state or imply that failure to pay a debt is a crime. They cannot call before 8:00 a.m. or after 9:00 p.m. They cannot harass or abuse consumers, or contact consumers place of employment. Check City acts as a credit services organization/credit access business (CSO/CAB) in Texas and is not the lender â loans there are made by a third-party lender.
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