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So, they had already broke the privacy law by leaving information as to the nature of the problem but refused to leave enough information to fix the problem.

That's right. They're not allowed to leave a message that might be interpreted by anyone other than the borrower as being in violation of the Privacy Act.

This is the servicing lender's bible for collecting a debt.

Most employees of servicing lenders must be certified as passing a test based on their knowledge of the FDCPA.
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