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Debt Management - The key to successfully negotiating with your creditors, is to understand how the system works. This means recognizing what motivates creditors and taking charge of the negotiating process.
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Most of us think there are some important moral principles at stake in the credit game. When a collection agency sends you a threatening letter or a credit card company tries to shame you into paying, if you are like most of us, you automatically feel guilty and do your best to pay up.