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I guess your fault for letting those employees use your name and phone number for a reference. You're going to actually to tell me that you have never had to struggle in your life at all? I don't believe that. What got me in the hole, is like I said student loans, and my daughter has autism so paying for her therapy five days a week puts a damper on your checkbook!
I never gave them permission. If they were still working for me, there would have been repercussions for those calls. I bet any employer would do the same.