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“Their goal is to get you to sign up, not to successfully complete the program,” Helms says. “So here’s someone who is financially damaged to begin with and then these companies just go out and take the last of their resources and kill any hope they have of getting out of that situation.”
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It's difficult to remain debt free in an environment such as this. Bad credit happens, and it happens often, but what do you do when you realize something needs to change? When you get to the point that you're afraid to answer the phone and the thought of sitting down to pay your bills makes you want to flee?
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