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ET,
Byz is right...and those folks are very helpful. They also provide a buffer between you and the creditors. One thing that my wife and I did was go directly to the creditor and talk to them. They will help because they don't want you to default, because then they don't get ANY money.
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"The only normal people are the one's you don't know very well." -Dr. Alfred Adler, Father of Individual Psychology
http://www.trans4mind.com/mind-development/adler.html
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