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Debt settlement is not for those who have the luxuries of choosing from various debt programs. It is for those with dire hardship who would rather not file bankruptcy.

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If you don't pay your credit card bills there are several unpleasant things that will happen like creditors calling, being reported to the credit bureaus, and legal action taken against you.

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Debt Settlement is a relatively new service being offered in the United States and it has become increasingly popular due to the current economic crisis

This e-book talks about the benefits and drawbacks of both debt settlement and consolidating your loan into your mortgage.

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What you need to do to out of debt today - no financial expertise required. Eliminate your debts and save you hundreds or thousands of dollars in the process. The Debt Reducer software is easy to use and valuable in evaluating debt consolidation.