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2012-08-20 — nytimes.com
``Some credit card companies, including American Express and Citigroup, defend their procedures and insist that safeguards are in place to ensure that their court filings are accurate. But consumer advocates say that in many cases the suits involve debt that has already been discharged in separate bankruptcy proceedings or otherwise settled or collected. Where debts remain, the amounts are often inflated by excessive fees. ''
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