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You are right in many cases. One thing you forgot to mention is that there are law firms that practice ebt settlement as well. So whats the difference for one a law firm can keep the collection agencies off of your back, two they are alot more reputable than your standard Уdebt settlement companyФ they must compy with the bar association of their state. However you are right there is no such thing as clumping all of these debts together this is just not the case. But the creditors do speak much differently to a professional negotiator than they do with the average consumer and can usually get a very nice settlement
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