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A simple one-page guide to understanding your debt situation and your next steps — no company, no fees, no catch.

Before you pay a debt settlement company thousands of dollars in fees, make sure you understand what your options actually are. Many consumers successfully communicate with creditors on their own — with the right words and the right structure. This checklist is your starting point.

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Most people in debt don't know what to say or where to start. This checklist changes that.

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