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There have been a few times in my life where I had such bad credit card debt that I was certain there were at least a few contracts out on me from Visa and Master Card. Avoiding the phone, screening calls, jumping whenever the door bell rings, and constantly feeling overwhelmed are just some of the symptoms of very bad credit card debt. I’m a little suspicious of sites or services that claim they can reduce your payments by X percent every month; the few people I know that have tried such services just ended up having to pay more money.
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