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If you or someone you know is in financial hot water, consider these options: realistic budgeting, credit counseling from a reputable organization, debt consolidation, or bankruptcy. Debt settlement is yet another option. How do you know which will work best for you? It depends on your level of debt, your level of discipline, and your prospects for the future.
Source: Federal Trade Commission
Released: 2011
Pages: 6
Publication ID: 633
Item number: 0633
Also available in Spanish
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