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Money and Finances
Reply to "Need help with budgeting"
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[quote=Anonymous]if your debt is already in collections you could call and negotiate a lower amount. It might have already hurt your credit so you could simply not pay it. You should check because once that debt is sold it's already counted on your credit report. I'm not saying this is "right" - but you should look into it. If you don't have to pay debt back you'll be in a better financial position. [/quote]
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