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@dalias @tess I see nothing like that authorized in my ACH.

If you're confronted with a lawless crook, ultimately there's a problem somewhere. No game plan fixes everything. They will find a way to drive you crazy somehow if there is an imbalance in power. (It's one reason I became a lawyer!)

OTOH, with auto-deduct, I have never had a late fee or notice, have a great credit rating as a result, and my obligation gets auto paid even if I'm traveling out of the country. It has advantages too.