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Found a really good article in Parade Magazine on how to stand up to debt collectors. Here is the essence of the advice:

Don’t reveal personal information - Debt collectors don’t care anything about you and you are not obliged to tell them your place of employment, the name of your bank, or your checking-account number. Stay calm and focused when you speak to them. Ask for details of the debt and written proof of the collector’s claim. Remember you are not talking directly to the company with whom you ran up the debt but rather to a debt collector trying to earn pennies on the dollar.

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Paying off Credit Card Debt Takes a Plan and Some Discipline!

Lots of Americans get into credit card debt, and it takes a plan to get out of that debt. Just like debt can creep up slowly, we probably cannot devise a quick and easy fix. We know that unsecured debt, like credit card balances, carry high interest rates, and can be really tough to pay off! However, if we can manage our debt, we know we can remove a lot of stress from our lives.

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