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You can mix picture recoloring and artistic effects to create a unique image.
Fair Debt Collection Practices Act
A US federal law aimed at preventing abusive, deceptive, and unfair practices by debt collectors when collecting debts.
Open-end Credit
A pre-approved loan between a financial institution and borrower that can be used repeatedly up to a certain limit and can be repaid prior to payments coming due.
Unpaid Balances
Amounts owed that have not been paid by the due date.
Unsolicited Merchandise
Goods sent to a person without their request, often with the implication that payment is expected if the goods are used or not returned.
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