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Is debt settlement for real?
Yes it is - but it's a new industry so it has its misgivings.
Here are some sample settlement letters -
http://www.debtfreedestiny.com/category/sample-letters/
I wonder what you mean by "manage" credit card debt ... I mean, are you also open to eliminating that debt?
Anyway, there are two popular and relatively effective debt relief programs for unsecured debts:
Credit Counseling (Debt Management Plan) - if you owe less than $10,000 and you'd want to jus...
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