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after the consumer for the balance of the note even if the consumer did not get what they were promised, while the dishonest proprietor of a fly-by-night business who sells shoddy goods on unfavorable terms to a consumer can take the money and run. If the business has already closed and liquidated, the consumer may be left without recourse unless they can overcome the arduous barrier of piercing the corporate veil to reach the proprietor's personal assets. As long as the proprietor is careful

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