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ItТs true you donТt need an attorney. I have settled two debts in 10 months, using CharlesТ program. Have two more, and the natives have stopped drumming (i.e., quit calling) making me a bit nervous, but IТm way ahead of the game just paying off those other two. If IТd used a debt settlement company, I wouldnТt have had the cash to pay off those other two (huge) balances. It would have gone to the fees that the debt settlement companies take UP FRONT and right off the top.
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