Karess
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The answer to the question "pay debt or invest" depends on your current financial situation. I've found an interesting calculator that can help you determine what the best course of action is: http://calculators.aol.com/tools/aol/budget04/tool.fcs
The "Debt Free Life company" that you are mentioning is also known as Crusader Consumer Services. According to the Better Business Bureau rating, they fare as "A," and have received one complaint in the past three years. This complaint has also been resolved.
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