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Despite what you may hear about credit cards, getting into overwhelming debt with them is not inevitable.
The scanning may be free but when you get to the cleaning part, you're prompted for a credit card number.
Worse yet, sometimes only the "download" is free but actually using the program is not.
Arranging such a deal on your own is best, as companies that facilitate it often charge a substantial fee and some aren't very reputable.
Still, settlements should only be attempted after less radical steps to eliminate debt fail, as they can result in substantial credit damage and tax problems.
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Chat Forum One is open to all and you can chat using a mobile phone or tablet - no registration required.