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EDIT: I have removed the ethnicity of the perpetrator - even if that's just a factual observation - since it's all some comments are focusing on and isn't the point of the post.

Snapshots:

https://old.reddit.com/r/CRedit/comments/1ggw2w1/i_havent_paid_my_car_loan_in_7_years_i_still_have/:

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