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When a third or subsequent attempt to withdraw payment does succeed, the consumer making the payment may experience some benefit—but only if the payment does not overdraw the consumer's account and the amount collected is sufficient to bring the consumer's loan current or pay off all of what is owed, thereby permitting the consumer to avoid further payment withdrawal attempts or collections activity.
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You can use an online calculator such as one provided by MSN Money to calculate that cost ratio yourself.
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