"I've been successful at getting a few fees waived simply by calling up the customer service line, the one time I asked inside a branch they had to go talk to the manager about it."
"I wonder how much of this is from bankruptcy and will the people that have gone through bankruptcy learn anything or will they be right back at it once they can get their hands on credit again."
"@jscott73: By the way, just add beneficiaries to all your accounts and a will will simply serve to name an executor and direct them what to do with any property you may have or special bequeaths you may wish."
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