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i was receiving calls from them on my other number but after 6 months they stop calling by say they would refer to debt collection agency. i have no money to pay to them right now and would not be able to pay them whole for 1 year more, i think my credit history is ruined. what should i do? can i make them $10 monthly payments? would there be any interest on the due amount? if yes how much it would be? what is the final solution i have to apply for my PR after 1 year in Australia.
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