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Are you drowning in debt? The best way to go about negotiating a debt settlement is by doing it yourself. Engaging the services of a debt settlement firm is usually costly and in most cases ineffective. Infact in some states it is illegal for companies to manage debt for a profit. Do your research, start saving to make the payment for the settlement and contact the creditor yourself or through an attorney. Interest rate, ensure that the interest rate you will be paying is lower than what you are paying f.
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