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http://information-on-debt-consolidation.blogspot.com/2011/12/debt-settlement-why-pay-debt-settlement.html[/postlink]
http://www.youtube.com/watch?v=TJJb7_Jdadgendofvid[starttext]provides the user with secure internet access to databases and preformatted letters that allow individuals to negotiate directly with their creditors without retaining a debt settlement company[endtext]
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