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“We thought that was something that wasn't right. The minimum payment should have some effect on reducing the debt.”
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“Because banks were having trouble deciding what was reasonable, we have gravitated toward 1 percent of the principal. This is not a hard and fast rule, and banks may establish other payment amounts.”
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“What is a reasonable amount? One percent of the balance was what was decided to be reasonable.”
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“We can't really comment [on the impact of the decision]. We just let the letters speak for themselves.”
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