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For details about your state's laws contact your attorney general's office.
For information about the Fair Debt Collections Practices Act (FDCPA), visit the Federal Trade Commission's web site.
Credit cards are the source of most financial problems for consumers.
The average American family has 3.7 credit cards and owes ,762 in credit card debt.
For people who feel helpless with their financial situation and don’t want to declare bankruptcy, debt settlement could be the short-term answer.
However, if there is a chance to weigh the advantages of debt management vs.