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four. Substantially equivalent. In identifying no matter whether monthly, thoroughly amortizing payments are substantially equal, creditors must disregard small variations resulting from payment-timetable irregularities and odd periods, such as a prolonged or shorter very first or previous payment i
Even so, any offer handed during the so-called "lame duck" session — ahead of the recently elected users of the Senate and the House choose their seats in January, together with Mr.
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