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First, avoid credit counselors, stay away from credit counseling agencies, some of which are being investigated for fraud or have ties to credit-card companies. When financial disaster strikes, lives are shattered, jobs disrupted, and properties destroyed, marriages breakdown and on top of all that you’ve got an income problem and need a money fix. If you have experienced disaster, you know first hand the emotional toll that it takes shock, confusion, grief, and fear that disaster could strike again.

Original text: Financial Recovery and Bankruptcy Survival

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