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Absolutely and that is why it is key to keep evidence of their continual dishonour and evidence of the contracts with us that they have agreed to by their acquiescence and silence and on top of that we need to learn how to competently attend court to sort the matter out if they ever drag us in there. Also we need to protect our property with trespass signs cameras and locks and learn how to deal with any approaches by bailiffs or other debt collection agencies who may have been misinformed about our financial status by the pirates and parasites.