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My account has been overdrawn for a while and I contacted my bank about my debit card and they said if I don't pay them the amount by tomorrow then they will report me to a collection agency. I'm afraid of what it means to be reported to a collection agency. The only property I owe is a car and I'm even behind in payments for that to. Is it possible they might try to repo my car tomorrow? Even if they don't will it really effect my credit score to be reported to a collection agency? Someone please help!
What will happen to credit score/car?
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