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didn't read the thread BUT
in today's economic climate, financial institutions that you may owe, i.e. loan stores, banks, credit card companies- just call them up and tell them you would like to settle the account but because of the economy/not having a job you can't pay off the full amount. they'll ask you how much you can afford, to which you should ballpark %50 of the total amount. that'll cut your bills quite a bit. just give them a sob story, they'll work with you.
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