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Isolated judgements and one 60-day charge- offs permitted on a case-by-case basis. In the case of a w-2 employee, the company is telling the IRS that those are the wages it paid you, and therefore wants a deduction for, and you went and paid taxes on it, so the bank will usually accept that. Oil changes, any maintenance at all, all lights and fluids, even windshield washer fluid. Commerce Clause, and I suppose there is two reasons for that.

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