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Avoid debt settlement businesses. Check out any business before paying a large sum of money. BBB is a good resource. Check with your state attorney general office. Even a google search can turn ups some complaints. I hate to see people get ripped off.
The New Poor - Peddling Relief, Firms Put Debtors in Deeper Hole - NYTimes.com
The New Poor - Peddling Relief, Firms Put Debtors in Deeper Hole - NYTimes.com