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As discussed above, default may come after a lender has made repeated attempts to collect payments from the borrower's deposit account, such that a borrower not only faces substantial increased fees from the lender and his or her depository institution, but also may ultimately find it necessary to close the account, or the borrower's bank or credit union may close the account if the balance is driven negative and the borrower is unable for an extended period of time to return the balance to positive.
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