id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
cjgl-2762	Johnson, Creola	Creditors’ Use of Consumer Debt Criminalization Practices and their Financial Abuse of Women	2016	70	.pdf	application/pdf	35638	1223	49	10 “Phantom debt is debt consumers do not actually owe or debt that is not payable to those attempting to collect it.” In this Article, when I use the term “debt collection companies,” I am including companies that buy consumer debts, unless otherwise indicated.	cache/cjgl-2762.pdf	txt/cjgl-2762.txt