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I would recommend consumer credit counselors. It’s a non profit organization- assuming it is still around.
Help your friend research...
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I've felt for years the CC surcharge was already baked in the price. Now they are adding an extra charge from my POV, and blaming it on...
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I'm not a teacher but I have a family full of them! Parent, sibling, offspring. I am also subject to WEP and worked in local government...
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