by Denise Hall
Publisher of Home Business on a Budget Newsletter
If you're thinking about using a debt consolidation or debt
settlement service to help you get out of debt faster and
save money on your monthly payments, make sure you do your
homework before choosing a company. There are definitely
shams and scams out there.
First let me say that debt consolidation is *not* the same
as debt settlement/negotiation, which most people don't
realize.
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