Answers about Debt Settlement/Negotiation

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Frequently asked questions about debt settlement, the process and the advantages vs disadvantages.

How much debt do you have

	I am debt free!
	I have a little debt but it's manageable
	I have some student or personal loans but I'm managing ok
	I have a couple of maxed out credit cards but I can still get credit
	I'm late on a couple bills. If I can get that third job I should survive
	Somebody throw me a new identity, please!